581 Highland Lane
Sugarloaf, CA, 92386
$399,000
MLS: IG26004075
Beds
2
Baths
2
Sq Ft
1,310
Lot
0.31 ac
Year Built
1978
MLS #
IG26004075
Days on Market
52
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
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 Sugarloaf home with as little as 3.5% down using an FHA loan — roughly $13,965 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.
Similar Homes Nearby
Active and pending listings in ZIP 92386 (Sugarloaf) within ±10% of this home's price and size.
$360,000
402 Holmes
Sugarloaf, 92386
$375,000
410 Los Angeles Avenue
Sugarloaf, 92386
$385,000
150 Los Angeles
Sugarloaf, 92386
$399,000
374 Los Angeles Avenue
Sugarloaf, 92386
$399,000
277 Wabash
Sugarloaf, 92386
$399,900
761 Los Angeles Avenue
Sugarloaf, 92386
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
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.