3825 American Elm Road, San Bernardino, California 92407, San Bernardino, 92407 - 3 bed, 3 bath
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San Bernardino, California 92407
This Spacious Single-Family Residence is a Strong Value Opportunity, listed at $653,000—positioned well below the $660,682 Fair Market Value by 1%. This valuation gap offers $7,682 in Instant Equity. The property is in Good Condition, featuring a modern kitchen and a functional two-story layout. A standout feature is the fully assumable FHA loan at 4.25%, providing significant long-term interest savings. This is an ideal acquisition for Buy-and-Hold Investors or Owner-Occupants seeking a stable, well-maintained asset in a convenient location.
Comparables within 1 miles sold in recently
| Address | Sold Price | Beds | Baths | Sq Ft | $/Sqft | Distance |
|---|---|---|---|---|---|---|
★ 3825 American Elm Road Subject | $653,000* List Price | 3 | 3 | 2,336 | $283 | - |
A 3999 Quartzite Lane Sold | $615,000 | 3 | 3 | 1,989 | $309 | 0.3 mi |
B 3848 Vine Maple Sold | $676,000 | 4 | 3 | 2,475 | $273 | 0.0 mi |
C 3925 Obsidian Sold | $675,000 | 4 | 3 | 2,272 | $297 | 0.2 mi |
D 3866 Obsidian Road Sold | $610,000 | 4 | 3 | 1,989 | $307 | 0.1 mi |
E 18265 Evening Primrose Lane Sold | $620,000 | 3 | 3 | 1,821 | $340 | 0.2 mi |
F 3841 White Ash Sold | $740,000 | 4 | 4 | 2,649 | $279 | 0.1 mi |
G 18332 Cayenne Active | $710,000 List Price | 4 | 4 | 2,649 | $268 | 0.2 mi |
* Subject property listed price vs sold prices of comps.
Property is move-in ready.
Built in 2007, this 19-year-old home falls within the 10-20 year range for a 'Good' rating. The property appears well-maintained with a manicured exterior and a move-in ready interior featuring a modern kitchen and updated fixtures like plantation shutters and contemporary ceiling fans.
The property features a fully assumable FHA loan with a 4.25% interest rate, offering a rare opportunity for significant long-term interest savings in the current high-rate market.
Built in 2007, the 2,336-square-foot home offers a contemporary open-concept floor plan with a seamless flow between the kitchen and family room, ideal for modern living and entertaining.
As a traditional sale requiring no lender approval for a short sale, this property offers a simplified and potentially much faster closing timeline for qualified buyers.
To benefit from the loan assumption, buyers must provide a substantial down payment of approximately $237,000 plus closing costs, which may limit the pool of eligible purchasers.
The property is currently tenant-occupied, which can complicate showing schedules and may delay the buyer's ability to take immediate possession of the home.
Step inside this beautiful two-story home, perfectly situated on a peaceful suburban street in Fontana. CA. From the moment you arrive, you'll be captivated by its charming facade, manicured front yard. As you enter through the front door, you're welcomed into a light-filled and inviting space, designed for both comfort and functionality.The ground floor features a spacious family room that flows effortlessly into a dedicated dining area, creating an ideal setting for entertaining friends or enjoying cozy evenings. The modern kitchen, conveniently adjacent to the dining space, offers a seamless transition from meal preparation to shared moments.Retreat to the second level, where you'll find three restful bedrooms. This includes a primary suite that provides a perfect sanctuary at the end of the day. With three bathrooms and a two-car garage, this home offers the convenience and modern amenities that fit today's busy lifestyle.See instructions for showings: Schedule your tours according to the showing instructions and see for yourself why this home is the perfect blend of style and substance.In addition, the first loan is an FHA loan with an effective rate of 4.25% and fully assumable. This is an additional selling point for buyers with cash. At $653,000, the buyers' down payment would be $237,000 plus closing costs. The buyer would assume the first loan of $416,000 at 4.25% with 25 years remaining. This means the property would be paid off in 25 years, becoming debt-free for the buyer.There'd be no lender approval needed for a short sale, making it a traditional transaction with a quick closing.However, the buyer must meet income and credit requirements to assume the loan. They'd also pay an assumption fee, title, and escrow.The subject property is tenant occupied. Please, do not disturb the tenants
No exterior & parking available.
Grades PK-5 • 1.4 mi
Grades 6-8 • 1.5 mi
Grades 9-12 • 2.6 mi
No sensitive facilities data found.
| Feature | Subject | Average Home | Neighborhood Ranking (50 Listings) |
|---|---|---|---|
| Beds | 3.0 | 3.0 | 50% |
| Baths | 3.0 | 2.0 | 59% |
| Square foot | 2,336 | 1,685 | 78% |
| Lot Size | 5,000 | 7,500 | 9% |
| Price | $653.0K | $600.0K | 70% |
| Price per sq ft | $280 | $349 | 20% |
| Built year | 2007 | 1989 | 69% |
| HOA | $0 | $0 | 50% |
| Days on market | 48 | 143 | 2% |
Apr 19, 2026
$653,000
Initial Listing
Sep 16, 2020
$458,000
Public Record
Dec 2, 2016
$390,000
Public Record