581 Highland Lane
Sugarloaf, CA, 92386
$390,000
Original list price: $399,000
MLS: IG26004075
Beds
2
Baths
2
Sq Ft
1,310
Lot
0.31 ac
Year Built
1978
MLS #
IG26004075
Days on Market
217
Listed
Jan 7, 2026
Description
VA Loan at 3.5% is assumable to qualified VA buyer! Welcome to this delightful 2-bedroom, 2-bathroom home with 1,310 sq ft of comfortable living space, on a spacious 13,675 sq ft lot. Featuring beautiful beamed ceilings throughout, this home creates a warm and inviting atmosphere from the moment you step inside. The cozy carpeted bedrooms provide a serene retreat, while the primary bedroom has a sliding door that leads out to your own peaceful deck, perfect for morning coffee or evening relaxation. Additional storage is provided by two sheds on the property, offering plenty of room for all your tools, equipment, or hobbies. The expansive lot provides endless possibilities for gardening, outdoor entertaining, or simply enjoying the surrounding nature. With its tranquil setting and well-thought-out layout, this home is an ideal retreat while still being conveniently located to nearby amenities. Don’t miss the opportunity to make this charming property your own!
Location
Sugarloaf, San Bernardino County, CA 92386
Open on Google Maps ↗Listed by: Genelle Rich · KELLER WILLIAMS BIG BEAR
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
$3,115
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,000 · Loan: $351,000
Average 30-yr fixed rate 6.69% as of Aug 6, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,263
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 Aug 6, 2026
- 30-year fixed
- 6.69%
- 15-year fixed
- 6.01%
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $13,650 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Sugarloaf property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Sugarloaf, CA 92386 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
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