5122 Cottage Garden Way
Ontario, CA, 91762
$939,900
MLS: TR26078671
Beds
5
Baths
4
Sq Ft
3,059
Lot
0.12 ac
Year Built
2016
MLS #
TR26078671
Days on Market
6
Listed
Apr 16, 2026
Description
Welcome to this stunning, impeccably maintained modern home in the highly sought-after Park Place community. Situated facing a charming park, the home enjoys a peaceful, open setting—like having your own private front garden. This spacious residence offers 5 bedrooms, 4 bathrooms, and approximately 3,059 square feet of living space. Abundant natural light fills the home, complemented by elegant plantation shutters throughout the main level. The main floor features a bedroom with an adjacent quarter bathroom with a walk-in shower—perfect for guests or multi-generational living. The open-concept kitchen flows seamlessly into the great room, creating a warm and inviting space for everyday living and entertaining. A large granite island and expansive countertops provide an ideal gathering area, complemented by ample cabinetry and a walk-in pantry. A bonus room near the garage offers flexibility as a home office, gym, or yoga space. Upstairs, a well-designed layout includes a generous primary suite, a junior suite, two additional bedrooms, and a versatile loft. The primary suite features a spacious bathroom complete with a soaking tub, separate walk-in shower, dual vanities, and generous his-and-hers walk-in closets. A stylish barn door adds both character and functionality. A centrally located junior suite offers enhanced privacy and comfort. Two additional bedrooms are connected by a convenient Jack-and-Jill bathroom. The upstairs laundry room is equipped with a sink and built-in cabinetry for added convenience. The beautifully landscaped backyard showcases fruit trees, lush planter and blooming roses, creating a serene outdoor retreat. A covered California room provides the perfect space to relax or entertain year-round. Ideally located near the community clubhouse, parks, shopping centers, and freeways, this home offers an exceptional blend of comfort, convenience, and lifestyle. Property tax is approximately 1.6%, including special assessments.
Location
Ontario, San Bernardino County, CA 91762
Open on Google Maps ↗Listed by: Xiao Guo · IRN Realty
Payment estimate
$6,829
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $93,990 · Loan: $845,910
- Principal & Interest
- $5,197
- Property tax (1.25%)
- $979
- Homeowners insurance
- $300
- Mortgage insurance
- $352
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 $32,897 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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