649 S K
San Bernardino, CA, 92410
$495,000
Original list price: $510,000
MLS: IV26183269
Beds
2
Baths
2
Sq Ft
1,036
Lot
0.16 ac
Year Built
1943
MLS #
IV26183269
Days on Market
55
Listed
Aug 21, 2026
Description
Charming San Bernardino Home with Paid-Off Solar, Guest Quarters & Prime Location! Welcome to this versatile 2-bedroom, 2-bath home ideally located in San Bernardino, directly across from San Bernardino Valley College and conveniently close to freeway access, shopping, dining, and more. This property offers several desirable features, including paid-off solar, a 220-volt charging outlet, and low-maintenance artificial turf in the front yard. The spacious backyard provides plenty of room to relax and entertain, complete with an above-ground pool for enjoying warm Southern California days. Adding even more potential, the property includes an unpermitted detached Guest Quarters featuring 2 bedrooms and 1 bathroom. This additional space may offer flexibility for extended family, guests, a home office, or other uses. Buyer to verify permits, square footage, use, and all information to their satisfaction.
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: MONICA LOPEZ · CENTURY 21 EXPERIENCE
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
$4,086
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,500 · Loan: $445,500
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,085
- Property tax (1.25%)
- $516
- Homeowners insurance
- $300
- Mortgage insurance
- $186
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 $17,325 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 92410 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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