640 N Gardena
San Bernardino, CA, 92411
$499,000
MLS: DW26208320
Beds
4
Baths
2
Sq Ft
1,247
Lot
0.16 ac
Year Built
1956
MLS #
DW26208320
Days on Market
18
Listed
Sep 23, 2026
Description
Welcome to this beautifully updated 4-bedroom, 2-bathroom home, move-in ready and perfect for a growing family. Features include fully paid-off solar panels, new interior and exterior paint, new flooring, new windows, and an updated kitchen with granite countertops and new cabinets. The spacious front area offers ample parking for multiple vehicles, plus front and rear porches. The large backyard features fruit trees and potential for an ADU. Conveniently located near major freeways, shopping centers, hospitals, schools, and everyday amenities. A wonderful opportunity you don't want to miss!
Location
San Bernardino, San Bernardino County, CA 92411
Open on Google Maps ↗Listed by: Iris Garcia · Keller Williams Premier Properties
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
$4,116
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,900 · Loan: $449,100
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,109
- Property tax (1.25%)
- $520
- Homeowners insurance
- $300
- Mortgage insurance
- $187
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 San Bernardino home with as little as 3.5% down using an FHA loan — roughly $17,465 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 San Bernardino, CA 92411 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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