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4208 S Laguna — Ontario — 3 Beds • 3 Baths • 1,652 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+35 more

$589,900

4 DOM

$357/sqft3 bd3 ba1,652 sqftHOA ~303/mo

Call

4208 S Laguna Ontario, CA 91761

1,000sqft lot

New construction feel without the wait. Turnkey 2024-built end-unit in Ontario Ranch with paid-off solar, EV charger, and premium upgrades already in place. Welcome to 4208 S Laguna Ave, offering 1,652 sq ft of modern living with 3 bedrooms, 3 bathrooms, and a versatile loft that can easily be converted into a 4th bedroom, office, or flex space. This end-unit location provides added privacy and natural light, while custom wood shutters throughout give the home a clean, upgraded feel. The home also includes a built-in security system for added convenience and peace of mind. The fully paid-off solar system and built-in EV charger offer real monthly savings on electricity and fuel costs, making this not just a beautiful home but a smart one. An attached garage and ample guest parking conveniently located right outside the home make everyday living and hosting easy. Residents enjoy a true resort-style community with a pool and spa, park, pickleball courts, dog park, and walking trails throughout the neighborhood. Located in Ontario Ranch, one of the fastest-growing areas in the Inland Empire, the community continues to attract buyers looking for newer construction, long-term growth, and expanding amenities. Nearby shopping includes Costco, 99 Ranch Market, Stater Bros, and new retail centers, with Ontario Mills and Victoria Gardens just a short drive away, along with Topgolf and Toyota Arena for dining and entertainment. Commuters will appreciate easy access to the 60, 15, and 10 freeways, along with proximity to Ontario International Airport, and future connectivity from the Brightline West high-speed rail currently under construction. With a low HOA of $303 and a move-in ready, energy-efficient setup, this home stands out as a strong opportunity in a rapidly growing community. Property also qualifies for a $20,000 Grant.

MLS DW26074067

310-467-7189 (Office) 562-322-0811 (Cell) samrubio.realestate@gmail.com

Est. payment

$4,072/mo

Principal & interestTaxesInsuranceHOA

$2,983$614$172$303

Down %

Rate %

Years

Down payment: $117,980 · Total cost: $1,191,808

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$4,072/mo

Principal & interest: $2,983
Est. property tax: $614
Est. insurance: $172
HOA (normalized / mo): $303
Down payment: $117,980

Est. gross rent$2,458/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)$-1,614/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.