769 W 20th Street
San Bernardino, CA, 92405
$480,000
MLS: IV26157128
Beds
3
Baths
2
Sq Ft
1,120
Lot
0.17 ac
Year Built
1928
MLS #
IV26157128
Days on Market
2
Listed
Jul 27, 2026
Description
Welcome to this beautifully updated English Cottage-inspired home, blending timeless Tudor Revival charm with modern comfort. Featuring steep-pitched gables, dramatic rooflines, and an inviting exterior, this home offers incredible curb appeal in a quiet, well-established neighborhood. Inside, you'll find stylish upgrades throughout, including modern flooring, a beautifully remodeled kitchen, and an inviting living space-perfect for relaxing during the evenings. The efficient HVAC system keeps the home comfortable year-round. The home is situated on a generously sized lot; the property offers abundant parking and endless possibilities. The detached garage is ideal as a workshop, hobby space, home gym, or could potentially be converted into an ADU for extended family, guests, rental income, or a private retreat for a grandparent, older child, or home office (buyer to verify). The detached garage is currently a one bedroom and one bath studio. The spacious backyard provides room to entertain, garden, or expand, making this property as functional as it is charming. Whether you're a first-time homebuyer, a bachelor or bachelorette looking for a stylish place to call home, or a couple searching for character and flexibility, this property is perfect for you. With its unique architectural style, modern upgrades, oversized lot, and exceptional versatility, this is a rare opportunity to own a home that perfectly blends classic character with today's lifestyle.
Location
San Bernardino, San Bernardino County, CA 92405
Open on Google Maps ↗Listed by: CESAR MEDINA · KELLER WILLIAMS RIVERSIDE CENT
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
$3,756
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $48,000 · Loan: $432,000
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,776
- Property tax (1.25%)
- $500
- Homeowners insurance
- $300
- Mortgage insurance
- $180
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
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 $16,800 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.
$450,000
3040 N F St
San Bernardino, 92405
$450,000
770 W Trenton
San Bernardino, 92405
$458,000
215 W 23rd
San Bernardino, 92405
$459,999
1673 N Mountain View
San Bernardino, 92405
$475,000
3682 N Sierra Way
San Bernardino, 92405
$479,999
2839 N F Street
San Bernardino, 92405
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.