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3694 S Grower Avenue — Ontario — 6 Beds • 5 Baths • 4,134 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+70 more

$1,300,000

6 DOM

$314/sqft6 bd5 ba4,134 sqftHOA ~100/mo

Call

3694 S Grower Ave Ontario, CA 91761

6,300sqft lot

Welcome to 3694 S Grower Ave in the desirable West Haven community of Ontario Ranch—featuring a rare NextGen layout with a private-entry suite, offering a unique opportunity for multi-generational living or the potential to offset your mortgage with rental income. This thoughtfully designed home includes a separate living space complete with its own entrance, kitchen, bedroom, and bathroom—providing privacy and flexibility rarely found in today’s market. The main residence features an open-concept layout anchored by a spacious kitchen with granite countertops, white cabinetry, stainless steel appliances, a cooktop with double wall ovens, and a large center island that flows seamlessly into the living and dining areas—perfect for gathering, entertaining, and everyday living. The home is enhanced with new laminate wood flooring, creating a clean, modern, and move-in ready feel throughout. Upstairs, a large loft provides a versatile second living space ideal for a home theater, kids’ play area, or home office, alongside generously sized bedrooms filled with natural light, including two ensuite bedrooms that offer added comfort and privacy for family or guests. The primary suite offers a dual-sink vanity, ample storage, and a clean, modern design. Additional highlights include solar panels for energy efficiency, plantation shutters, recessed lighting, a dedicated laundry room with storage, and a spacious 3-car garage. The backyard offers a rare combination of space and low maintenance, giving you room to relax, entertain, or customize to your needs. Located near community parks, playgrounds, and green spaces within West Haven, with convenient access to shopping, dining, and major freeways, this home combines flexibility, functionality, and long-term value—homes with this level of versatility and income potential are rarely available, so don’t miss your opportunity to see it in person.

MLS OC26073070

619-248-6434 (Office) felix.hung@gmail.com

Est. payment

$8,407/mo

Principal & interestTaxesInsuranceHOA

$6,574$1,354$379$100

Down %

Rate %

Years

Down payment: $260,000 · Total cost: $2,626,463

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$8,407/mo

Principal & interest: $6,574
Est. property tax: $1,354
Est. insurance: $379
HOA (normalized / mo): $100
Down payment: $260,000

Est. gross rent$5,417/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-2,990/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.