861 S Mountain
Ontario, CA, 91762
$425,000
Original list price: $435,000
MLS: DW26109261
Beds
2
Baths
2
Sq Ft
1,332
Lot
0.09 ac
Year Built
1979
MLS #
DW26109261
Days on Market
155
Listed
May 19, 2026
Description
Charming townhouse-style condo located in the desirable Cottage Park community of Ontario. This well-maintained home features an open and functional floor plan with comfortable living spaces and natural light throughout. The kitchen offers ample cabinetry and flows into the dining and living areas, perfect for everyday living and entertaining. Upstairs includes spacious bedrooms with generous closet space. Enjoy the convenience of a 2-car attached garage with direct access. The gated community offers a peaceful setting with well-kept grounds and HOA amenities including a pool and common area maintenance. Centrally located near shopping, dining, schools, and major freeways for an easy commute.
Location
Ontario, San Bernardino County, CA 91762
Open on Google Maps ↗Listed by: Carla Morgner · eXp Realty of Southern Calif
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
$4,068
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $42,500 · Loan: $382,500
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,648
- Property tax (1.25%)
- $443
- Homeowners insurance
- $300
- Mortgage insurance
- $159
- HOA dues
- $518
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 Ontario home with as little as 3.5% down using an FHA loan — roughly $14,875 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 Ontario, CA 91762 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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