478 Cedar Lane
Sugarloaf, CA, 92386
$585,000
MLS: IG25277464
Beds
4
Baths
4
Sq Ft
2,088
Lot
0.11 ac
Year Built
2026
MLS #
IG25277464
Days on Market
87
Listed
Jan 6, 2026
Description
Step into brand-new construction that feels both welcoming and well thought out. Sitting on a flat, fully fenced corner lot, this 4-bedroom, 4-bath home with a garage was designed with real life in mind. The open floor plan creates a natural flow between living and kitchen spaces—perfect for casual nights in, weekend gatherings, and everything in between. Thoughtful details and quality finishes throughout reflect the care that went into building this home. One of the standout features is the two primary suites, with one conveniently located on the main level and another upstairs—ideal for guests, extended family, or simply having your own private retreat. Each bedroom offers comfortable space and privacy, making the layout both functional and flexible. Outside, the level lot and usable yard invite you to relax, play, or entertain, while the corner location adds an extra sense of openness. Even better, you’re just a short walk to a restaurant, local store, and nearby hiking trails, with town, the lake, and ski resorts only minutes away. Brand new, move-in ready, and perfectly positioned for mountain living, this is a home that truly fits the way you want to live.
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: SARAH BENSON · RE/MAX BIG BEAR
Payment estimate
$4,364
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,500 · Loan: $526,500
- Principal & Interest
- $3,235
- Property tax (1.25%)
- $609
- Homeowners insurance
- $300
- Mortgage insurance
- $219
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $20,475 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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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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