8651 Encinitas
Fontana, CA, 92335
$439,900
MLS: IV26029750
Beds
2
Baths
1
Sq Ft
814
Lot
0.17 ac
Year Built
1950
MLS #
IV26029750
Days on Market
14
Listed
Feb 9, 2026
Description
Welcome to this charming and 2-bedroom, 1-bath home, great for a first-time buyer or those looking to downsize. As you enter, a bright and spacious family room with vaulted ceilings and exposed beam detail, that gives it an open and inviting atmosphere. The home features laminate flooring throughout the family room, hallway, and bedrooms, along with good-sized bedrooms and an updated bathroom. The kitchen is cozy and offers good amount of cabinetry and workspace, with an adjacent dining area that opens nicely to the living space. Natural light flows throughout the home, enhancing its warm and welcoming feel. Recent improvements include a new roof on both the main house and the detached garage. The detached one-car garage has been converted into additional living space, currently used as a studio, options such as a home office, or a hobby room. There is also a rear addition currently used as a laundry room and storage area. The exterior offers multiple usable spaces, including a covered patio area ideal for outdoor seating or storage, a side yard with concrete access, and a wide driveway with possible RV access, allowing drive-through access into the backyard. The yard provides room for gardening, outdoor projects, or future customization, all set on a quiet residential street with great curb appeal.
Location
Fontana, San Bernardino County, CA 92335
Open on Google Maps ↗Listed by: CARLOS SANDOVAL · SIERRA REALTY FONTANA INC
Payment estimate
$3,356
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $43,990 · Loan: $395,910
- Principal & Interest
- $2,433
- Property tax (1.25%)
- $458
- Homeowners insurance
- $300
- Mortgage insurance
- $165
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 Fontana home with as little as 3.5% down using an FHA loan — roughly $15,397 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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