8996 Navajo Trail
Morongo Valley, CA, 92256
$329,000
MLS: JT26055873
Beds
2
Baths
1
Sq Ft
933
Lot
2.50 ac
Year Built
1949
MLS #
JT26055873
Days on Market
32
Listed
Mar 13, 2026
Description
Escape to your own private desert retreat with this enchanting 2-bedroom, 1-bath cottage set on 2.5 fully fenced acres of breathtaking landscape. Surrounded by wide-open skies and panoramic mountain views, this property offers the perfect blend of cozy comfort and expansive outdoor living. Step inside to a warm and inviting living space anchored by a charming fireplace—ideal for cool desert evenings. Natural light pours through the windows, framing unforgettable views and creating a bright, airy atmosphere throughout. Outside, a thoughtfully curated cactus garden adds character and vibrant desert beauty, while the generous acreage provides privacy, room to roam, and endless possibilities. The entire exterior of the home has been freshly painted. The detached garage is currently being used as a studio, offering flexible space for art, work, or guests—with exciting potential to convert into an ADU for additional living space or rental income. Whether you're seeking a peaceful full-time residence, a weekend getaway, or an investment opportunity, this desert gem delivers charm, versatility, and unforgettable scenery.
Location
Morongo Valley, San Bernardino County, CA 92256
Open on Google Maps ↗Listed by: Sandra Boldt · Cherie Miller & Associates
Payment estimate
$2,585
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $32,900 · Loan: $296,100
- Principal & Interest
- $1,819
- Property tax (1.25%)
- $343
- Homeowners insurance
- $300
- Mortgage insurance
- $123
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 Morongo Valley home with as little as 3.5% down using an FHA loan — roughly $11,515 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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