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3903 E Carmel Privado — Ontario — 3 Beds • 3 Baths • 1,652 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+20 more

$599,900

35 DOM

$363/sqft3 bd3 ba1,652 sqftHOA ~187/mo

Call

3903 E Carmel Privado Ontario, CA 91761

1,000sqft lot

Located in the heart of Ontario Ranch, 3903 E Carmel Privado Ontario is a beautifully designed 3-bedroom, 2.5-bath modern townhome offering 1652 sq ft of contemporary living within the sought-after Moonstone at Sunset Ranch community. Built in 2024, this ENERGY STAR -certified home features an open-concept great room with 9-foot ceilings, a gourmet kitchen with quartz countertops and stainless Whirlpool appliances, and a spacious upstairs loft perfect for a home office or lounge. The primary suite boasts a walk-in closet and dual-sink vanity, complemented by secondary bedrooms designed for comfort and privacy. A two-car attached garage, private patio, and energy-efficient solar system complete the home's practical luxury. Residents enjoy resort-style amenities including a pool, spa, pickleball and sports courts, and a dog park all within minutes of major freeways (I-15, 60) and local conveniences such as 99 Ranch Market, Stater Bros., Costco , Ontario Mills, and Cloverdale Marketplace. This home blends modern design, energy efficiency, and lifestyle accessibility ideal for comfortable living or a premium rental opportunity.

MLS AR26045969

626-447-5100 (Office) wayneyuan.2003@gmail.com

Est. payment

$4,020/mo

Principal & interestTaxesInsuranceHOA

$3,033$625$175$187

Down %

Rate %

Years

Down payment: $119,980 · Total cost: $1,212,012

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$4,020/mo

Principal & interest: $3,033
Est. property tax: $625
Est. insurance: $175
HOA (normalized / mo): $187
Down payment: $119,980

Est. gross rent$2,500/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)$-1,520/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.