640 W 31st Street
San Bernardino, CA, 92405
$619,000
MLS: IG26174731
Beds
3
Baths
2
Sq Ft
2,002
Lot
0.36 ac
Year Built
1945
MLS #
IG26174731
Days on Market
72
Listed
Aug 10, 2026
Description
Conveniently located near the 210 Freeway, this North San Bernardino home offers easy access for commuters while providing plenty of space both inside and out. A welcoming front porch greets you as you arrive. Step inside to find beautiful original hardwood floors that add warmth and character throughout the home. The living room is filled with natural light from strategically placed skylights, which continue into the hallway to bring the sunshine in. Recessed lighting in the living room, dining area, and kitchen provides additional illumination. The kitchen has been thoughtfully updated with Corian countertops, updated cabinetry, abundant storage, and built-in features. The home also includes dual-pane windows and a convenient individual laundry room with built-in cabinets for added functionality and storage. The living room features a decorative fireplace, creating a comfortable focal point for the space. A versatile sunroom is currently being used as a home office but could also serve as a formal dining room, sitting area, or additional flex space, depending on your needs. The primary bedroom is large with walk in closet and primary bath attached. The additional bedrooms will not disappoint as they are spacious enough for even large bedroom furniture. Situated on a large, cross-fenced lot, complete with fruit trees, the property offers ample parking and a detached garage that provides additional flexibility for storage, parking for one vehicle, or the potential to explore conversion to an ADU, subject to applicable approvals and requirements. With its large lot, detached garage, abundant parking, cross-fenced yard, original character, updated kitchen, and flexible living spaces, this home offers a wonderful combination of charm, functionality, and potential in a convenient North San Bernardino location.
Location
San Bernardino, San Bernardino County, CA 92405
Open on Google Maps ↗Listed by: Karla Degonia · CENTURY 21 LOIS LAUER REALTY
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
$5,034
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $61,900 · Loan: $557,100
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,857
- Property tax (1.25%)
- $645
- Homeowners insurance
- $300
- Mortgage insurance
- $232
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 $21,665 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.
Similar Homes Nearby
Active and pending listings in ZIP 92405 (San Bernardino)within ±10% of this home's price and size.
Local Market Stats
See San Bernardino, CA 92405 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.