742 Terrace
San Bernardino, CA, 92410
$690,000
MLS: SW26208247
Beds
4
Baths
2
Sq Ft
1,552
Lot
0.45 ac
Year Built
1951
MLS #
SW26208247
Days on Market
15
Listed
Sep 25, 2026
Description
The Main House Is Just the Beginning Some homes give you a nice kitchen. This one gives you options. Start inside, where the remodel shows up in all the right places: Kitchen: crisp white shaker cabinetry and a mosaic backsplash that catches the light. The garden window over the sink is the spot you'll end up keeping herbs whether you planned to or not. Living and dining: plantation shutters fill the space with soft natural light. It's open enough to host, comfortable enough to just be home. Den: the beamed ceiling gives it character, and the slider pulls you straight out to the patio and yard. Then walk out back, because that's where this property really separates itself. Additional detached living spaces sit behind the main house, and one is already rented. Keep the income coming in. Give guests their own space. Build out an office or studio so work stays out of the house. Or mix and match. Add the garage for projects and toys, and there's room here for whatever your next chapter looks like.
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Nikki Aguirre · NextHome Realty Source One
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
$5,543
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $69,000 · Loan: $621,000
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,266
- Property tax (1.25%)
- $719
- Homeowners insurance
- $300
- Mortgage insurance
- $259
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 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $24,150 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.
★#1 Producing Individual Realtor, Antelope Valley
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