5430 Luna Road
Phelan, CA, 92371
$397,000
MLS: TR26058839
Beds
4
Baths
3
Sq Ft
1,493
Lot
2.00 ac
Year Built
2025
MLS #
TR26058839
Days on Market
1
Listed
Mar 18, 2026
Description
Brand New 2025 Construction! Welcome home to this beautifully designed 4 bedroom, 2 bathroom residence offering 1,493 sq. ft. of modern living space. Soaring 9-foot ceilings, an open floor plan, and abundant natural light create a spacious and inviting atmosphere. The stylish kitchen features granite countertops, stainless steel appliances—including a brand-new refrigerator—and ample cabinetry for all your storage needs. Set on a fully fenced 2-acre flat, level lot, this property provides plenty of space for outdoor living, animals, or future additions. Conveniently located close to pavement, you’ll enjoy easy access to town while still having the peace and privacy of country living. Shopping, dining, and local services are just minutes away, making this the perfect balance of rural tranquility and everyday convenience. Offered at $397,000, this move-in ready new build is a rare find in today’s market!!
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: Jonathan Minerick · Homecoin.com
Payment estimate
$3,058
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,700 · Loan: $357,300
- Principal & Interest
- $2,195
- Property tax (1.25%)
- $414
- Homeowners insurance
- $300
- Mortgage insurance
- $149
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 Phelan home with as little as 3.5% down using an FHA loan — roughly $13,895 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 Phelan, CA 92371 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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