9640 Lanning Lane
Morongo Valley, CA, 92256
$420,000
MLS: JT25200144
Beds
2
Baths
3
Sq Ft
1,600
Lot
1.76 ac
Year Built
2025
MLS #
JT25200144
Days on Market
202
Listed
Sep 5, 2025
Description
Experience the perfect blend of modern living and natural beauty with this newly constructed 1,600 sq. ft. smart home, ideally set on a spacious 1.75-acre lot in the tranquil High Desert near Joshua Tree. Currently receiving its finishing touches and nearly ready for a Certificate of Occupancy, this home offers a rare opportunity to own a premium desert retreat. Thoughtfully designed for comfort, sustainability, and style, the home features two primary bedrooms, polished concrete floors throughout, and a bright open-concept living space with quartz countertops and stainless steel appliances. Climate control is made easy with individual mini-split heating and air units with ceiling cassettes, while paid solar and a car charging port ensure eco-friendly living. Enjoy breathtaking desert views from the expansive lot, with plenty of room to create your outdoor sanctuary. A storage shed is included for added convenience. Whether as a full-time residence, vacation home, or investment property, this new build is the perfect blend of modern technology and desert serenity.
Location
Morongo Valley, San Bernardino County, CA 92256
Open on Google Maps ↗Listed by: Jeffrey Poland · Coldwell Banker Roadrunner Realty
Payment estimate
$3,217
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,000 · Loan: $378,000
- Principal & Interest
- $2,322
- Property tax (1.25%)
- $438
- Homeowners insurance
- $300
- Mortgage insurance
- $158
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 $14,700 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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