9983 Ladera Avenue
Lucerne Valley, CA, 92356
$359,000
MLS: HD25221563
Beds
4
Baths
3
Sq Ft
1,620
Lot
0.36 ac
Year Built
1989
MLS #
HD25221563
Days on Market
176
Listed
Sep 19, 2025
Description
A little gem in the Vista Tract. Just down from the Market, this home features 4 bedrooms and 3 bathrooms. The spacious main bedroom is en suite with a Shower, Soaking Tub, and dual sinks. Main bedroom has a new Hot Water heater. 2 renovated bathrooms serve for the other 3 bedrooms, all with newer flooring. The kitchen has an eat in space, plenty of cabinets for storage, new dishwasher. The views are beautiful from the front porch, surrounded by mountains. Additional Driveway for RV parking and a 2-car garage. Newer septic and roof as well.
Location
Lucerne Valley, San Bernardino County, CA 92356
Open on Google Maps ↗Listed by: Lynda Thomasson · RE/MAX FREEDOM
Payment estimate
$2,794
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $35,900 · Loan: $323,100
- Principal & Interest
- $1,985
- Property tax (1.25%)
- $374
- Homeowners insurance
- $300
- Mortgage insurance
- $135
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 Lucerne Valley home with as little as 3.5% down using an FHA loan — roughly $12,565 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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