538 W F Street
Ontario, CA, 91762
$699,900
MLS: CV26181866
Beds
3
Baths
2
Sq Ft
1,310
Lot
0.18 ac
Year Built
1952
MLS #
CV26181866
Days on Market
27
Listed
Aug 29, 2026
Description
NEW NEW NEW ROOF, INSULATION, DUCTING, HVAC SYSTEM, WINDOWS, TANKLESS WATER HEATER & 4-CAR GARAGE! Welcome Home to this beautifully updated Ontario gem! From the moment you arrive, the inviting curb appeal and thoughtful upgrades set the stage for a home that is truly move-in ready. This wonderful property offers 3 spacious bedrooms and 2 FULL bathrooms, with extensive improvements throughout, including a newer roof, dual-pane windows, updated ducting and insulation, newer HVAC system with air conditioning and heating, tankless water heater, upgraded electrical panel, new luxury vinyl plank flooring, and fresh interior paint. Property also has SOLAR with very low monthly lease payment under $100. Situated on an oversized lot, the property offers abundant parking and an impressive detached garage with room for up to 4 vehicles. The garage features its own independent electrical subpanel and presents an incredible opportunity for conversion to an ADU, workshop, studio, or additional living space, subject to applicable city requirements. Outside, the generous lot provides plenty of room for entertaining, gardening, expansion, or simply enjoying the California lifestyle. Ideally located just minutes from shopping, dining, schools, major amenities, and convenient freeway access, this home combines comfort, versatility, and an exceptional location. A beautifully upgraded home with endless possibilities—this is an opportunity you will not want to miss!
Location
Ontario, San Bernardino County, CA 91762
Open on Google Maps ↗Listed by: Darcy Woolman · Elevate Real Estate
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
$5,559
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $69,990 · Loan: $629,910
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,267
- Property tax (1.25%)
- $729
- Homeowners insurance
- $300
- Mortgage insurance
- $262
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $24,497 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 Ontario, CA 91762 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor, Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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