5089 Citadel Avenue
San Bernardino, CA, 92407
$525,950
MLS: CV26201243
Beds
3
Baths
2
Sq Ft
1,333
Lot
0.17 ac
Year Built
1984
MLS #
CV26201243
Days on Market
13
Listed
Oct 4, 2026
Description
Welcome to 5089 Citadel Ave — a charming single-story 3-bedroom, 2-bathroom home (1,333 sqft) in a prime San Bernardino location. A spacious front lawn with mature shade trees and stone pavers leads to a welcoming entrance. Inside, the large living room centers on a cozy brick fireplace with freshly installed carpet underfoot. The functional kitchen features enduring wood cabinetry, durable tile flooring, white appliances, and a bright window with neighborhood views. All three bedrooms offer carpet flooring and standard closets.Outside, a large backyard pairs established grass with a generous covered concrete patio — ideal for shaded outdoor living and entertaining. A two-car garage completes the package.The location is hard to beat: less than three minutes to Cal State San Bernardino, and minutes to shopping, dining, and the 215 freeway.
Location
San Bernardino, San Bernardino County, CA 92407
Open on Google Maps ↗Listed by: Rony Sosa · REACTION REALTY
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$4,323
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $52,595 · Loan: $473,355
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,277
- Property tax (1.25%)
- $548
- Homeowners insurance
- $300
- Mortgage insurance
- $197
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this San Bernardino home with as little as 3.5% down using an FHA loan — roughly $18,408 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
See San Bernardino, CA 92407 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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