45757 Paddington Road
Lucerne Valley, CA, 92356
$215,000
MLS: IG26024593
Beds
2
Baths
1
Sq Ft
1,080
Lot
20.00 ac
Year Built
1970
MLS #
IG26024593
Days on Market
37
Listed
Feb 2, 2026
Description
Beautiful Single Story Home in the Highly Desired area of Lucerne Valley. Close To OHV Areas and King of the Hammers! This Home Boasts 1080 sqft of Living Space, on a Large 20 Acre Lot, With 2 Bedrooms, 1 Bathroom, and a 20x15 Bonus Room not counted in the Sqft. This home is just a short drive off of the 247. The immediate house area is fenced. Newer Septic System, 80GPM Well, Newer 200 Amp Electric Panel, 5 ton HVAC for the Main House, 3 Ton HVAC for the Bonus Room. 600 sqft Storage included. Enjoy the Views of the surrounding Mountains and Desert! This could be Great for Investment, Second Home or as a Primary Home.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Ryan Peterson · Gold Coast Realty
Payment estimate
$1,793
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $21,500 · Loan: $193,500
- Principal & Interest
- $1,189
- Property tax (1.25%)
- $224
- Homeowners insurance
- $300
- Mortgage insurance
- $81
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Lucerne Valley home with as little as 3.5% down using an FHA loan — roughly $7,525 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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