2139 E 4th #84 · Ontario, CA 91764

$225,000

3 bd · 2.0 ba · 1,344 sqft · Manufactured public records · 164 Days on market

Built 2017 1,440 sqft lot Est $255k · 12% under

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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 +12.9/15.0
• DSCR +10.0/10.0
• 1% rule +8.6/10.0
• 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

This charming home is meticulously maintained and brimming with character. Featuring 3 cozy bedrooms and 2 stylish bathrooms, the spacious primary suite offers a private shower and ample cabinet space. The heart of the home, the kitchen, showcases lovely granite countertops and comes complete with all appliances. Nice little area in back to do some gardening if you would like, and space on the side to park 2 cars. Nestled in a vibrant community offering an array of amenities like a clubhouse, gym, and refreshing pool, this community ensures a delightful lifestyle. Conveniently located near the 10 and 15 freeways and a selection of shopping destinations, this is a rare gem not to be missed. Don't forget, park approval is a must to make this enchanting property yours.

Key facts

• Updated appliances
• Large living room
• Large island

Tags

• LARGE LIVING ROOM
• COMPLEMENTARY SIZED KITCHEN
• UPDATED APPLIANCES
• LARGE ISLAND
• GRANITE COUNTER TOP SPACE
• PLENTY OF CABINET SPACE

Property features AI

Finance

• Other: Manager approval required for tenancy; Pets: contact manager/park for approval
• HOA & community: Land lease property within Lamplighter Ontario park; Monthly land lease approximately $1,575 (park-managed); Community is suburban

Exterior

• Parking: Attached carport with 2 spaces; Total 2 parking spaces
• Utilities: Public sewer; District / public water
• Home design: Single-story mobile home (double wide); Mobile home remains on site; Mobile dimensions approximately 22' x 56'; Has a view
• Construction: Raised foundation
• Exterior features: Corner lot; Community in-ground pool

Interior

• Bedrooms: Bedrooms located on main level
• Bathrooms: 2 full bathrooms; Showers
• Heating & cooling: Central heating (furnace); Central cooling
• Interior features: One-level home; Raised foundation; Entry on main level
• Laundry & utility: Laundry in a dedicated room; Washer and dryer excluded

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $225k.

Deal economics

• At list price, monthly cash flow is $1k ($13k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $225k).
• Recommended offer: $198k (12.0% below list) — sets the bar for market timing.
• Cap rate 11.9% 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; 21 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 45% 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 $2k of loan paydown is wiped out by about $7k 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 $63k cash investment doubles in ~8 years — after that, you're playing with house money.

Negotiation context

• It's been on market 164 days — a 12% lower offer ($198k) is reasonable based on typical stale-listing flexibility.
• 3 sale attempts since 6y 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.

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 $198,000 (12.0% below list)

Questions for the listing agent

1. It's been on market 164 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
3. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
4. 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?
5. 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.
6. 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.
7. 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: 1.36% ✓
• Cap rate: 11.86%
• Cash-on-cash: 19.90%
• DSCR: 1.89
• GRM: 6.1

CMA / ARV

• ARV (on-the-fly): $255,360
• Comps found: 4

Show comp detail 4 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2139 E 4th St #39	0.00mi	3/2.0	1,320 (-2%)	3mo	$185,000	$140	94
2139 E 4th #90	0.00mi	3/2.0	1,272 (-5%)	6mo	$241,500	$190	86
2139 E 4th St #162	0.00mi	3/2.0	1,150 (-14%)	9mo	$230,000	$200	68
2139 E 4th St #85	0.00mi	3/2.0	1,512 (+12%)	23mo	$234,995	$155	60

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: 8.8%
• Equity multiple: 1.33×
• Total profit: $21,035
• Equity at exit: $33,548

10-year hold

• IRR: 15.5%
• Equity multiple: 2.10×
• Total profit: $69,026
• Equity at exit: $19,454

Cash invested: $63,000 (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: 6.1×

Monthly cashflow live

• Estimated rent: $3,065 high
• Mortgage (P&I): −$1,180
• Tax from tax record: −$103 /mo · $1,239/yr
• Insurance: −$94
• HOA: −$0
• Vacancy / Maint / Mgmt: −$644
• Net cashflow: $1,045

Break-even live

Break-even rent $1,743

Max offer price $225,000

Occupancy floor 61%

Sensitivity live

Price	-10% $1,172	-5% $1,108	+0% $1,045	+5% $981	+10% $917
Rent	-10% $803	-5% $924	+0% $1,045	+5% $1,166	+10% $1,287
Rate	-1.0pp $1,158	-0.5pp $1,102	base $1,045	+0.5pp $986	+1.0pp $927

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: $56,250
• Closing costs: $6,750
• Reserves months: —
• Total cash needed: —

Rent comps 21 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1925 E Harvard Privado Unit C Ontario, CA	3.0	2.5	1540	$3,000	$1.95	2d	1	0.31mi
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
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
2830 E Via Fiano Ontario, CA	4.0	2.5	1749	$3,200	$1.83	2d	1	1.00mi
2830 E Via Fiano Ontario, CA	4.0	3.0	1750	$3,200	$1.83	15d	1	1.00mi
1548 N Lassen Ave Ontario, CA	2.0	2.0	900	$2,500	$2.78	2d	1	1.03mi
2904 E Via Fiano Ontario, CA	4.0	2.5	1749	$3,250	$1.86	22d	1	1.08mi
811 N Turner Ave Unit 7 Ontario, CA	2.0	2.5	1445	$3,200	$2.21	18d	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 $225,000 Active 164 DOM
2. 2026-06-17
   days on market $225,000 Active 163 DOM
3. 2026-06-16
   days on market $225,000 Active 162 DOM
4. 2026-06-15
   days on market $225,000 Active 161 DOM
5. 2026-06-13
   days on market $225,000 Active 159 DOM
6. 2026-06-13
   days on market $225,000 Active 158 DOM
7. 2026-06-09
   days on market $225,000 Active 155 DOM
8. 2026-06-08
   days on market $225,000 Active 154 DOM
9. 2026-06-07
   days on market $225,000 Active 153 DOM
10. 2026-06-04
    days on market $225,000 Active 150 DOM
11. 2026-06-03
    days on market $225,000 Active 149 DOM
12. 2026-06-02
    days on market $225,000 Active 148 DOM
13. 2026-06-01
    days on market $225,000 Active 147 DOM
14. 2026-05-31
    days on market $225,000 Active 146 DOM
15. 2026-01-05
    listed $225,000 Active
16. 2024-10-17
    soldstatus $232,500 Closed Sale 776-char remark

    Show marketing remark (776 chars)

    This charming home is meticulously maintained and brimming with character. Featuring 3 cozy bedrooms and 2 stylish bathrooms, the spacious primary suite offers a private shower and ample cabinet space. The heart of the home, the kitchen, showcases lovely granite countertops and comes complete with all appliances. Nice little area in back to do some gardening if you would like, and space on the side to park 2 cars. Nestled in a vibrant community offering an array of amenities like a clubhouse, gym, and refreshing pool, this community ensures a delightful lifestyle. Conveniently located near the 10 and 15 freeways and a selection of shopping destinations, this is a rare gem not to be missed. Don't forget, park approval is a must to make this enchanting property yours.

17. 2024-09-10
    status Pending Sale 776-char remark

    Show marketing remark (776 chars)

    This charming home is meticulously maintained and brimming with character. Featuring 3 cozy bedrooms and 2 stylish bathrooms, the spacious primary suite offers a private shower and ample cabinet space. The heart of the home, the kitchen, showcases lovely granite countertops and comes complete with all appliances. Nice little area in back to do some gardening if you would like, and space on the side to park 2 cars. Nestled in a vibrant community offering an array of amenities like a clubhouse, gym, and refreshing pool, this community ensures a delightful lifestyle. Conveniently located near the 10 and 15 freeways and a selection of shopping destinations, this is a rare gem not to be missed. Don't forget, park approval is a must to make this enchanting property yours.

18. 2024-08-27
    listed $230,000 Active 776-char remark

    Show marketing remark (776 chars)

    This charming home is meticulously maintained and brimming with character. Featuring 3 cozy bedrooms and 2 stylish bathrooms, the spacious primary suite offers a private shower and ample cabinet space. The heart of the home, the kitchen, showcases lovely granite countertops and comes complete with all appliances. Nice little area in back to do some gardening if you would like, and space on the side to park 2 cars. Nestled in a vibrant community offering an array of amenities like a clubhouse, gym, and refreshing pool, this community ensures a delightful lifestyle. Conveniently located near the 10 and 15 freeways and a selection of shopping destinations, this is a rare gem not to be missed. Don't forget, park approval is a must to make this enchanting property yours.

19. 2024-08-16
    historical $230,000 776-char remark

    Show marketing remark (776 chars)

    This charming home is meticulously maintained and brimming with character. Featuring 3 cozy bedrooms and 2 stylish bathrooms, the spacious primary suite offers a private shower and ample cabinet space. The heart of the home, the kitchen, showcases lovely granite countertops and comes complete with all appliances. Nice little area in back to do some gardening if you would like, and space on the side to park 2 cars. Nestled in a vibrant community offering an array of amenities like a clubhouse, gym, and refreshing pool, this community ensures a delightful lifestyle. Conveniently located near the 10 and 15 freeways and a selection of shopping destinations, this is a rare gem not to be missed. Don't forget, park approval is a must to make this enchanting property yours.

20. 2020-08-28
    soldstatus $174,900 Closed Sale 664-char remark

    Show marketing remark (664 chars)

    This beautiful property is just a little over 2 years old and has been VERY well maintained! Don't pass up this opportunity to be part of a great community that offers MANY amenities such as a clubhouse, workout room, picnic area, a refreshing pool and MUCH MORE! Centrally located and close to the 10/15 freeways and not too far from a few different shopping malls! It comes with three bedrooms and two bathrooms. The master bedroom is spacious with a private shower in the master bathroom and lots of cabinet space also! THE KITCHEN IS OPEN WITH GRANITE COUNTER TOPS AND COMES WITH STOVE, REFRIGERATOR AND DISHWASHER AS PART OF THE DEAL. PARK APPROVAL IS A MUST.

21. 2020-07-31
    status Pending Sale 664-char remark

    Show marketing remark (664 chars)

    This beautiful property is just a little over 2 years old and has been VERY well maintained! Don't pass up this opportunity to be part of a great community that offers MANY amenities such as a clubhouse, workout room, picnic area, a refreshing pool and MUCH MORE! Centrally located and close to the 10/15 freeways and not too far from a few different shopping malls! It comes with three bedrooms and two bathrooms. The master bedroom is spacious with a private shower in the master bathroom and lots of cabinet space also! THE KITCHEN IS OPEN WITH GRANITE COUNTER TOPS AND COMES WITH STOVE, REFRIGERATOR AND DISHWASHER AS PART OF THE DEAL. PARK APPROVAL IS A MUST.

22. 2020-07-09
    price $174,900 664-char remark

    Show marketing remark (664 chars)

    This beautiful property is just a little over 2 years old and has been VERY well maintained! Don't pass up this opportunity to be part of a great community that offers MANY amenities such as a clubhouse, workout room, picnic area, a refreshing pool and MUCH MORE! Centrally located and close to the 10/15 freeways and not too far from a few different shopping malls! It comes with three bedrooms and two bathrooms. The master bedroom is spacious with a private shower in the master bathroom and lots of cabinet space also! THE KITCHEN IS OPEN WITH GRANITE COUNTER TOPS AND COMES WITH STOVE, REFRIGERATOR AND DISHWASHER AS PART OF THE DEAL. PARK APPROVAL IS A MUST.

23. 2020-03-06
    listed $179,000 Active 664-char remark

    Show marketing remark (664 chars)

    This beautiful property is just a little over 2 years old and has been VERY well maintained! Don't pass up this opportunity to be part of a great community that offers MANY amenities such as a clubhouse, workout room, picnic area, a refreshing pool and MUCH MORE! Centrally located and close to the 10/15 freeways and not too far from a few different shopping malls! It comes with three bedrooms and two bathrooms. The master bedroom is spacious with a private shower in the master bathroom and lots of cabinet space also! THE KITCHEN IS OPEN WITH GRANITE COUNTER TOPS AND COMES WITH STOVE, REFRIGERATOR AND DISHWASHER AS PART OF THE DEAL. PARK APPROVAL IS A MUST.

ⓘ 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: $1,239 · $103/mo
• Projected year-2 tax: $1,710 · $142/mo
• Expected delta: +$471/yr (+$39/mo · 38.1%)

ⓘ 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: $36,785
• − Mortgage interest: −$12,603
• − Property taxes: −$1,239
• − Insurance: −$1,125
• − Repairs & maintenance: −$2,943
• − Management: −$2,943
• − Depreciation: −$6,545
• Taxable income: $9,386
• Est. tax owed @ 24.0%: −$2,253
• After-tax cash flow: $10,284/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

+25.7% since first listed

9 events — show timeline

• 2026-01-05 Listed $225,000 CRMLS
• 2024-10-17 Sold (MLS) $232,500 CRMLS
• 2024-09-10 Pending — CRMLS
• 2024-08-27 Listed $230,000 CRMLS
• 2024-08-16 Coming Soon $230,000 CRMLS
• 2020-08-28 Sold (MLS) $174,900 CRMLS
• 2020-07-31 Pending — CRMLS
• 2020-07-09 Price Changed $174,900 CRMLS
• 2020-03-06 Listed $179,000 CRMLS

Property tax history

+8.5%/yr

Latest (2025): $1,239 · +46.8% YoY. Source: county tax records.