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3975 E Fincastle St — Ontario — 4 Beds • 3 Baths • 2,717 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

OPEN APR 18 · 1:30PM – 4:30PM

+59 more

$868,000

38 DOM

$319/sqft4 bd3 ba2,717 sqftHOA ~119/mo

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3975 E Fincastle St Ontario, CA 91761

4,857sqft lot

Welcome to this beautiful upgraded and meticulously maintained modern home in the highly desirable "Ontario Ranch community". This stunning 4 bedrooms, 3 bathrooms (1 bedroom, 1 bathroom downstairs) plus an oversized upstairs loft with potential to convert into a 5th bedroom. The expansive living room offers an open-concept layout filled with natural light, enhanced by upgraded tile flooring, carpet and elegant plantation shutters throughout the home. Upstairs, the generous primary suite features a spacious layout, a large walk-in closet, dual vanities, a soaking tub, and a separate shower. The oversized loft provides exceptional flexibility – ideal as a media room, home office, playroom, or future additional bedroom. A large upstairs laundry room with sink adds everyday convenience. The gourmet kitchen showcases quartz countertops, stainless steel appliances, a large center island, and walk-in pantry. The adjacent formal dining room and breakfast nook provide versatile dining options, perfect for entertaining or everyday living. Step out to a professionally landscaped backyard complete with a covered patio, perfect for relaxing or hosting gatherings. The home also includes central A/C and heating, 2 car garage. Nestled in a friendly community with a low HOA. Residents enjoy access to resort-style community park. It located near shopping centers, Costco, 99 Ranch Market Plaza, and convenience to connect to the 60/15/71/91 freeways. Don't miss this opportunity to make this beautiful home yours!

MLS TR26048296

626-956-0188 (Office) 626-712-6447 (Cell) marychou123@yahoo.com

Est. payment

$5,665/mo

Principal & interestTaxesInsuranceHOA

$4,389$904$253$119

Down %

Rate %

Years

Down payment: $173,600 · Total cost: $1,753,669

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$5,665/mo

Principal & interest: $4,389
Est. property tax: $904
Est. insurance: $253
HOA (normalized / mo): $119
Down payment: $173,600

Est. gross rent$3,617/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)$-2,048/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.

Price History

Event	Date	Price	Change
Listed	Mar 5, 2026	$888,000	—

Facts & Features

Transaction Data

▼Price Reduced from $888,000 (−$20,000)

HOA Fee$119/monthly

Structure & Property

Year Built2021

Garage Spaces2

626-956-0188 (Office) 626-712-6447 (Cell) marychou123@yahoo.com

Sale & Tax History

No Recent Sales History

We didn't find any closed transactions for this property in the last 5 years.

Location

3975 E Fincastle St, Ontario, CA 91761

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3975 E Fincastle St Ontario, CA 91761

About this home

Mary Chou

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Mary Chou

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.

3975 E Fincastle St, Ontario, CA 91761

About This Property

Property Photos

3975 E Fincastle St Ontario, CA 91761

About this home

Mary Chou

Est. monthly payment

Mortgage vs rent

Price History

Facts & Features

Transaction Data

Structure & Property

Mary Chou

Sale & Tax History

No Recent Sales History

Location

Location

Open Houses

Listing Agent

Presented by Belmont Brokerage Inc.