821 Spruce
San Bernardino, CA, 92410
$399,000
MLS: CV26023765
Beds
2
Baths
1
Sq Ft
624
Lot
0.06 ac
Year Built
1915
MLS #
CV26023765
Days on Market
49
Listed
Feb 2, 2026
Description
Subject to cancellation of the current escrow. Multiple offers expected at this bargain price! Call your realtors for showings. Welcome to this beautifully remodeled 2 bedroom, 1 bath home, perfectly located in the heart of San Bernardino. This mov in ready property is ideal for first time buyers, those looking to downsize, or anyone seeking a low maintenance home in a central location. Step inside to find a bright, open living space with modern finishes throughout. The home features updated flooring, fresh interior and exterior paint, and a stylishly renovated kitchen with new cabinetry, countertops, and fixtures. The bathroom has been fully upgraded with contemporary tile, vanity, and lighting, creating a clean and modern feel.Both bedrooms offer comfortable living space with natural light. Conveniently located near shopping, schools, dining, and major freeways, this home offers comfort, style, and accessibility all in one.
Location
San Bernardino, San Bernardino County, CA 92410
Open on Google Maps ↗Listed by: Alexander Ayala · DYNASTY REAL ESTATE
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
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 $13,965 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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