648 E 20th
San Bernardino, CA, 92404
$429,000
MLS: IV26104589
Beds
2
Baths
1
Sq Ft
1,116
Lot
0.16 ac
Year Built
1953
MLS #
IV26104589
Days on Market
9
Listed
Jun 4, 2026
Description
Charming single-story home in the heart of San Bernardino featuring 2 bedrooms, 1 bathroom, and approximately 1,116 square feet of living space. In addition to the main living area, the home includes a versatile bonus room not included in the square footage that could easily serve as a third bedroom, office, or flex space. Situated on a spacious 6,800 square foot lot, this property offers plenty of room for outdoor entertaining, gardening, or future possibilities. The home features a functional layout with abundant natural light, a generously sized backyard, and convenient access to shopping, dining, schools, parks, and major freeways. Whether you’re a first-time homebuyer, investor, or looking to add your personal touch, this property presents an excellent opportunity with strong potential. Don’t miss your chance to own this centrally located home in a well-established neighborhood!
Location
San Bernardino, San Bernardino County, CA 92404
Open on Google Maps ↗Listed by: LISA DABNEY · GARVER LENDING SERVICES
Payment estimate
$3,353
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,900 · Loan: $386,100
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,445
- Property tax (1.25%)
- $447
- Homeowners insurance
- $300
- Mortgage insurance
- $161
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 $15,015 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 92404 (San Bernardino)within ±10% of this home's price and size.
$399,000
393 Country Club
San Bernardino, 92404
$419,999
1118 E 33rd St
San Bernardino, 92404
$425,000
2508 Taylor
San Bernardino, 92404
$425,000
503 E 28th Street
San Bernardino, 92404
$430,000
7226 Tippecanoe Avenue
San Bernardino, 92404
$430,000
720 Orchid
San Bernardino, 92404
Local Market Stats
See San Bernardino, CA 92404 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.