2139 E 4th St #176 · Ontario, CA 91764

$165,000

3 bd · 2.0 ba · 1,056 sqft · Manufactured public records · 43 Days on market

Built 2001 800 sqft lot Est $211k · 22% under ↓ 3% since listing

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Why this score? — see what drove the B+ grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

• Cash flow +30.0/30.0
• ARV discount +15.0/15.0
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +3.3/10.0
• Livability +3.2/5.0
• Condition / age +2.5/5.0
• Rent growth +2.4/5.0
• Appreciation +0.0/10.0

Listing remarks MLS

Ready for new ownership! Nestled within the Lamplighter Ontario Family Community Park, this spacious 3-bedroom 2 bath home has all the potential for any buyer! As you walk into this home, there is a wonderful open living room and kitchen floor plan. The living room features new carpet, and the kitchen features new flooring along with a lovely area for bar stool seating. Not to mention plenty of cabinet space. Adjacent to the kitchen you'll find the convenient laundry room. The primary bedroom is very spacious with a convenient walk in closet and spacious primary bathroom. The other two bedrooms are sizable with closets in each. The uniqueness of this home is the small backyard it has which many mobile homes lack. But not this one! You can set up a lovely patio space back there and enjoy a wonderful BBQ with your company! Conveniently located by the 10 freeway and shopping center plaza! Swing by and make an offer today!

Key facts

• Open living room
• New flooring
• Small backyard

Tags

• OPEN LIVING ROOM
• NEW FLOORING
• PLENTY OF CABINET SPACE
• CONVENIENT LAUNDRY ROOM
• WIDE CLOSET
• SMALL BACKYARD

Property features AI

Finance

• Other: Lot size and living area sourced from assessor; Directions: use the entrance on Hellman, quick right — home on left
• Financial info: Manager approval required for residency; Pets: contact manager
• HOA & community: Community amenities include pool, street lighting, and sidewalks; Land lease in park: $1,450 monthly (park-reported); rent may include trash and pool

Exterior

• Parking: Attached carport
• Utilities: Public sewer; District/public water; Utilities: see remarks
• Home design: Single-story mobile home (11' x 41'); Mobile home remains on property; Located in a park community (Lamplighter Ontario)
• Construction: Built (year from assessor); Mobile construction
• Exterior features: Shingle roof; Back yard; Community pool

Interior

• Kitchen: 6-burner stove; Electric oven; Microwave; Refrigerator; Laminate countertops
• Bedrooms: Primary bedroom with walk-in closet and primary bathroom
• Flooring: Laminate flooring
• Bathrooms: Two full bathrooms; Shower-in-tub configuration
• Heating & cooling: Central heating (furnace); Central air conditioning
• Interior features: Single-level living; Living room entry; Doors swing inward for accessibility
• Laundry & utility: Indoor laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $165k.

Deal economics

• At list price, monthly cash flow is $1k ($16k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $165k).
• Recommended offer: $160k (3.0% below list) — sets the bar for market timing.
• Cap rate 16.1% vs local median 2.7% in Ontario — top-decile yield for the area; either an underpriced asset or a hidden risk that comps aren't pricing in. Stress-test before assuming the spread holds.

Location & tenants

• Location reads 63/100 on livability (#435 in CA) — a middle-class / working-renter tenant base. Strengths: commute A-, housing B+; Watch: schools F, cost of living F, health & safety F.
• Cucamonga Elementary (suburban): math 28% / reading 42% proficiency, ranked #867 of 1,400 in CA (top 62%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 60% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents soft (-0.3%/yr); 75 active listings in the ZIP; 18 comparable units currently listed for rent nearby; rentals leasing fast (median 2d on market — plan ~1-2 weeks tenant-placement turnaround); solid renter incomes; 5,458 units permitted in San Bernardino County in 2024 (1,500 in 5+ unit buildings).
• This rent runs 43% of the median local income ($82k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $1k of loan paydown is wiped out by about $5k of value loss. Plan a longer hold.
• San Bernardino County population projected at +15% by 2050 — modest demand growth; plan on rents tracking national, not racing it.
• At projected returns (-3.0% appreciation + 0.0% rent growth), your $46k cash investment doubles in ~4 years — after that, you're playing with house money.

Negotiation context

• It's been on market 43 days — a 3% lower offer ($160k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 2y ago with the ask held roughly flat each time — persistent listings suggest the price (not the market) is what's stuck; bring a comps-based counter.
• Current owner paid $142k; 17% above their basis — modest negotiation headroom, anchor on the comps not their cost.

Risks & watch-outs

• Climate carrying-cost: major flood risk; extreme-heat days projected 6→18/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $160,050 (3.0% below list)

Questions for the listing agent

1. It's been on market 43 days. Have you received any prior offers? Is the seller open to a 3% concession, seller financing, or rate buy-down credit?
2. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
3. Schools are F-rated, which usually means shorter tenancies and higher turnover. Who's the typical renter profile here, and what's been the actual vacancy rate?
4. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
5. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
6. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

• 1% rule: 1.79% ✓
• Cap rate: 16.11%
• Cash-on-cash: 35.07%
• DSCR: 2.56
• GRM: 4.6

CMA / ARV

• ARV (on-the-fly): $211,200
• Comps found: 2

Show comp detail 2 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2139 E 4th St #162	0.00mi	3/2.0	1,150 (+9%)	9mo	$230,000	$200	77
2139 E 4th #230	0.00mi	2/1.0 (-1)	960 (-9%)	4mo	$103,200	$108	72

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 0.0% rent growth · sell at horizon

5-year hold

• IRR: 27.4%
• Equity multiple: 2.09×
• Total profit: $50,536
• Equity at exit: $24,602

10-year hold

• IRR: 33.2%
• Equity multiple: 3.62×
• Total profit: $121,032
• Equity at exit: $14,266

Cash invested: $46,200 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

• Overall (STATE): 18 Strongly Tenant-Friendly
• State California: 18 Strongly Tenant-Friendly · D+13
• County: — inherits STATE
• City: — inherits STATE

AB1482 statewide rent cap (10% + CPI). Cities (SF/LA/Berkeley) layer stricter rules. Just-cause statewide.

Methodology + full state rankings →

ZIP-level market 91764

• Rents YoY: -0.3%
• Active inventory: 75
• Price-to-rent: 4.6×

Monthly cashflow live

• Estimated rent: $2,958 high
• Mortgage (P&I): −$865
• Tax from tax record: −$52 /mo · $630/yr
• Insurance: −$69
• HOA: −$0
• Vacancy / Maint / Mgmt: −$621
• Net cashflow: $1,350

Break-even live

Break-even rent $1,249

Max offer price $165,000

Occupancy floor 49%

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

• Down payment: $41,250
• Closing costs: $4,950
• Reserves months: —
• Total cash needed: —

Rent comps 18 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1221 N Vineyard Ave Ontario, CA	1.0–2.0	1.0–2.0	867	$2,476	$2.86	2d	6	0.40mi
1879 E Jay St Unit B Ontario, CA	3.0	1.5	1033	$2,750	$2.66	2d	1	0.45mi
2000 Inland Empire Blvd Ontario, CA	3.0	1.0–2.0	808	$3,799	$4.70	2d	35	0.52mi
821 N Vineyard Ave Ontario, CA	2.0	1.0	775	$1,795	$2.32	10d	1	0.55mi
2615 E Date Palm Paseo Ontario, CA	1.0–3.0	1.0–2.0	937	$3,359	$3.58	2d	27	0.75mi
1725 E G St Ontario, CA	2.0–4.0	2.5–3.5	1100	$2,690	$2.45	2d	5	0.86mi
1675 E G St Ontario, CA	1.0–3.0	1.0–2.0	842	$2,500	$2.97	2d	10	0.89mi
755 N Via Dolcetto Ontario, CA	2.0	2.5	1462	$3,140	$2.15	12d	1	0.94mi
1701 E D St Ontario, CA	1.0–3.0	1.0–2.0	993	$3,175	$3.20	2d	19	0.96mi
1548 N Lassen Ave Ontario, CA	2.0	2.0	900	$2,500	$2.78	2d	1	1.03mi
811 N Turner Ave Unit 7 Ontario, CA	2.0	2.5	1445	$3,200	$2.21	17d	1	1.24mi
1005 N Center Ave Ontario, CA	1.0–3.0	1.0–2.0	962	$3,353	$3.49	2d	21	1.25mi
8739 Pine Crest Pl Rancho Cucamonga, CA	2.0	1.5	1179	$2,700	$2.29	2d	1	1.33mi
713 N Corvette Dr Unit 1 Ontario, CA	3.0	1.5	1350	$3,200	$2.37	10d	1	1.33mi
713 N Corvette Dr Unit 3 Ontario, CA	3.0	1.5	1250	$2,900	$2.32	3d	1	1.33mi
8731 Pine Crest Pl Rancho Cucamonga, CA	2.0	1.5	1179	$2,995	$2.54	3d	1	1.34mi
8445 Chaffee St Rancho Cucamonga, CA	4.0	2.0	1438	$3,300	$2.29	15d	1	1.38mi
8555 Sandalwood Ct Rancho Cucamonga, CA	3.0	2.0	1400	$3,375	$2.41	2d	1	1.43mi

Listing history 23 events

1. 2026-06-18
   days on market $165,000 Active 43 DOM
2. 2026-06-17
   days on market $165,000 Active 42 DOM
3. 2026-06-16
   days on market $165,000 Active 41 DOM
4. 2026-06-15
   days on market $165,000 Active 40 DOM
5. 2026-06-13
   days on market $165,000 Active 38 DOM
6. 2026-06-13
   days on market $165,000 Active 37 DOM
7. 2026-06-09
   days on market $165,000 Active 34 DOM
8. 2026-06-08
   days on market $165,000 Active 33 DOM
9. 2026-06-07
   days on market $165,000 Active 32 DOM
10. 2026-06-04
    days on market $165,000 Active 29 DOM
11. 2026-06-03
    days on market $165,000 Active 28 DOM
12. 2026-06-02
    days on market $165,000 Active 27 DOM
13. 2026-06-01
    days on market $165,000 Active 26 DOM
14. 2026-05-31
    days on market $165,000 Active 25 DOM
15. 2026-05-06
    listed $165,000 Active
16. 2026-02-15
    historical
17. 2026-01-21
    price $175,000
18. 2025-09-29
    price $185,000
19. 2025-08-15
    listed $195,000 Active
20. 2024-07-05
    soldstatus $141,500 Closed Sale 932-char remark

    Show marketing remark (932 chars)

    Ready for new ownership! Nestled within the Lamplighter Ontario Family Community Park, this spacious 3-bedroom 2 bath home has all the potential for any buyer! As you walk into this home, there is a wonderful open living room and kitchen floor plan. The living room features new carpet, and the kitchen features new flooring along with a lovely area for bar stool seating. Not to mention plenty of cabinet space. Adjacent to the kitchen you'll find the convenient laundry room. The primary bedroom is very spacious with a convenient walk in closet and spacious primary bathroom. The other two bedrooms are sizable with closets in each. The uniqueness of this home is the small backyard it has which many mobile homes lack. But not this one! You can set up a lovely patio space back there and enjoy a wonderful BBQ with your company! Conveniently located by the 10 freeway and shopping center plaza! Swing by and make an offer today!

21. 2024-05-15
    status Pending Sale 932-char remark

    Show marketing remark (932 chars)

    Ready for new ownership! Nestled within the Lamplighter Ontario Family Community Park, this spacious 3-bedroom 2 bath home has all the potential for any buyer! As you walk into this home, there is a wonderful open living room and kitchen floor plan. The living room features new carpet, and the kitchen features new flooring along with a lovely area for bar stool seating. Not to mention plenty of cabinet space. Adjacent to the kitchen you'll find the convenient laundry room. The primary bedroom is very spacious with a convenient walk in closet and spacious primary bathroom. The other two bedrooms are sizable with closets in each. The uniqueness of this home is the small backyard it has which many mobile homes lack. But not this one! You can set up a lovely patio space back there and enjoy a wonderful BBQ with your company! Conveniently located by the 10 freeway and shopping center plaza! Swing by and make an offer today!

22. 2024-05-09
    historical Active Under Contract 932-char remark

    Show marketing remark (932 chars)

    Ready for new ownership! Nestled within the Lamplighter Ontario Family Community Park, this spacious 3-bedroom 2 bath home has all the potential for any buyer! As you walk into this home, there is a wonderful open living room and kitchen floor plan. The living room features new carpet, and the kitchen features new flooring along with a lovely area for bar stool seating. Not to mention plenty of cabinet space. Adjacent to the kitchen you'll find the convenient laundry room. The primary bedroom is very spacious with a convenient walk in closet and spacious primary bathroom. The other two bedrooms are sizable with closets in each. The uniqueness of this home is the small backyard it has which many mobile homes lack. But not this one! You can set up a lovely patio space back there and enjoy a wonderful BBQ with your company! Conveniently located by the 10 freeway and shopping center plaza! Swing by and make an offer today!

23. 2024-04-24
    listed $169,999 Active 932-char remark

    Show marketing remark (932 chars)

    Ready for new ownership! Nestled within the Lamplighter Ontario Family Community Park, this spacious 3-bedroom 2 bath home has all the potential for any buyer! As you walk into this home, there is a wonderful open living room and kitchen floor plan. The living room features new carpet, and the kitchen features new flooring along with a lovely area for bar stool seating. Not to mention plenty of cabinet space. Adjacent to the kitchen you'll find the convenient laundry room. The primary bedroom is very spacious with a convenient walk in closet and spacious primary bathroom. The other two bedrooms are sizable with closets in each. The uniqueness of this home is the small backyard it has which many mobile homes lack. But not this one! You can set up a lovely patio space back there and enjoy a wonderful BBQ with your company! Conveniently located by the 10 freeway and shopping center plaza! Swing by and make an offer today!

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Tax reassessment forecast CA · Resets to sale price

• Current annual tax: $630 · $52/mo
• Projected year-2 tax: $1,254 · $104/mo
• Expected delta: +$624/yr (+$52/mo · 99.1%)

ⓘ Screening estimate from a state-policy table — verify with the county assessor before closing.

Climate risk First Street

• 🌊 Flood 6/10 Major FEMA zone X (shaded) · 69% chance over 30 yrs
• 🔥 Wildfire 2/10 Low
• 🌡 Heat 7/10 Severe 6 d/yr ≥100°F today · 18 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 9/10 Extreme 23 unhealthy d/yr today · 28 by 30 yrs out

Taxation est. · year 1

• Rental income: $35,493
• − Mortgage interest: −$9,243
• − Property taxes: −$630
• − Insurance: −$825
• − Repairs & maintenance: −$2,839
• − Management: −$2,839
• − Depreciation: −$4,800
• Taxable income: $14,317
• Est. tax owed @ 24.0%: −$3,436
• After-tax cash flow: $12,766/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Schools (NCES district)

• District: Cucamonga Elementary
• NCES district ID: 0616300
• Math proficiency: 28% ▬ 0.00%
• Reading proficiency: 42% ▲ 1.00%
• Median HH income: $55,067
• Composite: 33.44/100
• National rank: #10539
• State rank: #867 of 1400 in CA

Livability — Ontario

• Score: 63/100
• State rank: #435
• US rank: #14949

Category grades

Amenities C Commute A- Cost of living F Crime C+ Employment B- Housing B+ Health & safety F User ratings D-

Schools grade is shown separately in the Schools card above.

Census & demographics

• Census place: Ontario, CA
• County: San Bernardino County · 2,030,291 people
• City population: 183,440
• Metro: Riverside-San Bernardino-Ontario, CA
• Population (ZIP): 56,270
• Household income: $81,762
• Rent vs Own: 54.9% rent · 45.1% own
• Severe rent burden: 3075.0

Population outlook (San Bernardino County) Hauer SSP2

• Today (2025): 2,300,329 people
• By 2030: 2,378,907 · +3.4%
• By 2040: 2,523,137 · +9.7%
• By 2050: 2,642,388 · +14.9%
• By 2075: 2,880,769 · +25.2%
• By 2100: 2,909,436 · +26.5%

Race, ethnicity, and origin ACS 2023

• Neighborhood character: Predominantly Hispanic (70%)
• Race & ethnicity: Hispanic / Latino 70% Two or more races 26% White 12% Black 8% Asian 6% Native American 2%
• Hispanic origin (detail): Mexican 60%
• Common ancestry: Italian 1% Romanian 1% Serbian 1%
• Foreign-born: 28% · Canada, China, Vietnam
• Languages at home: 44% English-only · Spanish 50% Chinese 1% Tagalog/Filipino 1%

Political lean MEDSL · San Bernardino

• 2024 margin: Toss-up / Even · D 47.5% · R 49.7% · Other 2.8%
• 2008→2024 swing: -8.5pp toward R · 2008: 6.3pp · 2024: -2.1pp
• All cycles: 2024: R+2.1 2020: D+10.7 2016: D+9.8 2012: D+5.4 2008: D+6.3

Not yet ingested

• Civics: —

Market trends

• HPI YoY: ▼ -571.87%
• Current HPI: 456.8173
• Rent YoY: ▼ -0.27%
• Metro: Riverside-San Bernardino-Ontario, CA
• State GDP YoY: ▲ 3.21%
• F500 in state: 116

Industry mix (Fortune 500 HQ in CA)

Industry	F500 HQs	Revenue
▸Technology	27	$1,492B
▸Financial Services	3	$174B
▸Retail	3	$44B
▸Insurance	3	$26B
▸Media / Entertainment	2	$115B
▸Pharmaceuticals / Biotech	2	$62B

Price history

-2.9% since first listed

9 events — show timeline

• 2026-05-06 Listed $165,000 CRMLS
• 2026-02-15 Listing Removed — CRMLS
• 2026-01-21 Price Changed $175,000 CRMLS
• 2025-09-29 Price Changed $185,000 CRMLS
• 2025-08-15 Listed $195,000 CRMLS
• 2024-07-05 Sold (MLS) $141,500 CRMLS
• 2024-05-15 Pending — CRMLS
• 2024-05-09 Contingent — CRMLS
• 2024-04-24 Listed $169,999 CRMLS

Property tax history

+3.1%/yr

Latest (2025): $630 · +83.2% YoY. Source: county tax records.