4618 S Tesoro Privado
Ontario, CA, 91761
$765,000
MLS: PW26042794
Beds
2
Baths
2
Sq Ft
1,556
Lot
0.10 ac
Year Built
2023
MLS #
PW26042794
Days on Market
13
Listed
Mar 24, 2026
Description
Experience the best of active-adult living in this beautifully upgraded single-story home in the gated 55+ community of Esperanza at Ontario Ranch. Thoughtfully designed for comfort and ease, this home features open-concept living, a private low-maintenance backyard, and resort-style amenities just moments from your door. Offering 1,556 sq. ft., this 2-bedroom, 2-bath residence blends modern comfort with a functional layout ideal for everyday living and entertaining. The open-concept great room seamlessly connects the kitchen, dining, and living areas—creating an inviting space to gather or relax. The kitchen is appointed with matching stainless steel GE appliances, including a double oven, 5-burner cooktop with hood, microwave, dishwasher, and refrigerator, along with granite countertops, a center island with breakfast bar, and a walk-in pantry. Interior features include tile flooring in main living areas, carpeted bedrooms, 9-foot ceilings, recessed lighting, ceiling fans, ample storage, a dedicated laundry room, tankless water heater, and built-in fire sprinkler system. The primary suite offers a peaceful retreat with a large walk-in closet and an ensuite bath featuring dual vanities, walk-in shower, and private water closet. A secondary bedroom and full bath provide ideal space for guests or a home office. Enjoy indoor-outdoor living with dual sliding glass doors leading to a covered patio and private backyard, finished with synthetic turf, river rock, drought-tolerant landscaping, and block wall privacy. Security screen doors with 3-point locking systems add comfort and peace of mind. Residents enjoy the 9,000 sq. ft. La Jolla Clubhouse with fitness center, activity rooms, bar, and catering kitchen, along with a resort-style pool and spa with cabanas, pickleball and bocce courts, parks, trails, and a full-time lifestyle director. Conveniently located near shopping, dining, parks, freeway access, Ontario International Airport, and healthcare providers including Kaiser Permanente and Kindred Hospital Ontario, this home offers the perfect blend of comfort, convenience, and low-maintenance resort-style living.
Location
Ontario, San Bernardino County, CA 91761
Open on Google Maps ↗Listed by: Christopher Cochran · Cochran Real Estate Professionals Inc
Payment estimate
$5,614
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $76,500 · Loan: $688,500
- Principal & Interest
- $4,230
- Property tax (1.25%)
- $797
- Homeowners insurance
- $300
- Mortgage insurance
- $287
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $26,775 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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