2139 4th St #7 · Ontario, CA 91764

$139,999

3 bd · 2.0 ba · 1,464 sqft · Manufactured public records · 132 Days on market

Built 1973 Est $227k · 38% 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 +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

Discover this 4-bedroom, 2-bathroom mobile home in the Lamplighter Mobile Home Park in Ontario. Featuring an open concept design in your main living spaces. Enjoy the convenience of a Nest thermostat for energy efficiency, while the spacious living and dining areas provide a warm and inviting atmosphere. The primary bedroom offers an en-suite bathroom complete with a separate tub and shower, dual sinks, and plenty of space for your comfort. Each of the additional 3 bedrooms boasts ample size to accommodate your furnishings or the kids toys. Step out the sliding glass door to a covered patio with stamped concrete, complemented by a side yard featuring low-maintenance artificial turf—perfect for outdoor activities. You’ll also love the variety of fruit trees, including apple, peach, guava, and avocado, providing fresh produce right from your yard. With a 2-car covered carport and a large shed for extra storage, this home provides functionality. Enjoy community amenities such as a clubhouse, pool and spa, playground, and RV parking lot.

Key facts

• Community pool
• Built 1973
• Listed 131 days

Property features AI

Finance

• Other: Manager approval required for sale; Located west of Vineyard on 4th St.
• HOA & community: Land lease (approx. $1,265 per month)

Exterior

• Parking: Carport
• Utilities: Public sewer; District/public water
• Home design: Single-story manufactured/mobile home; Mobile home remains; Mobile dimensions approximately 24 ft by 61 ft; Facing direction not specified; Entry level: 1
• Construction: Year built per assessor; Total of 1 story
• Exterior features: Community pool; Sidewalks; Located in Lamplighter park; Lot zoning roughly 0–1 unit per acre

Interior

• Bathrooms: 2 full bathrooms
• Heating & cooling: Central cooling
• Interior features: One level home; Entry on main level; Community spa; Community pool
• Laundry & utility: Inside laundry

What this means for you Summary

Snapshot

• This is a 3-bed/2.0-bath manufactured listed at $140k.

Deal economics

• At list price, monthly cash flow is $1k ($18k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $140k).
• Recommended offer: $123k (12.0% below list) — sets the bar for market timing.
• Cap rate 19.0% 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); 77 active listings in the ZIP; 23 comparable units currently listed for rent nearby; rentals leasing fast (median 0d 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).
• At $3,094/mo this rent would consume 45% of the median local household income ($82k/yr) (locally 3075% of renters already pay >50% of income on rent) — very limited rent-growth headroom before tenants either downsize or default.

Forward outlook

• Local home prices are declining (-3.0%/yr); year-one equity from $968 of loan paydown is wiped out by about $4k 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 $39k cash investment doubles in ~3 years — after that, you're playing with house money.

Negotiation context

• It's been on market 132 days — a 12% lower offer ($123k) is reasonable based on typical stale-listing flexibility.
• 6 sale attempts since 17y ago; this cycle's ask has dropped $15k (10%) from the opening price — seller is motivated, your offer sets the floor, not the list.

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 $123,199 (12.0% below list)

Questions for the listing agent

1. It's been on market 132 days. Have you received any prior offers? Is the seller open to a 12% concession, seller financing, or rate buy-down credit?
2. Built in 1973 — when were the roof, HVAC, electrical panel, plumbing, and water heater last replaced?
3. Why hasn't it sold? Are there any deal-killer items the seller is aware of (foundation, flood, title, zoning, code violations)?
4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
5. 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?
6. 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.
7. 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.
8. 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: 2.21% ✓
• Cap rate: 18.95%
• Cash-on-cash: 45.21%
• DSCR: 3.01
• GRM: 3.8

CMA / ARV

• ARV (on-the-fly): $226,920
• Comps found: 5

Show comp detail 5 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
2139 E 4TH St #120	0.00mi	3/2.0	1,590 (+9%)	0mo	$147,000	$92	85
2139 E 4th St #135	0.08mi	3/2.0	1,560 (+7%)	5mo	$268,323	$172	81
2139 E 4th St #39	0.08mi	3/2.0	1,320 (-10%)	3mo	$185,000	$140	78
2139 E 4th St #85	0.08mi	3/2.0	1,512 (+3%)	23mo	$234,995	$155	72
2139 E 4th #90	0.08mi	3/2.0	1,272 (-13%)	6mo	$241,500	$190	70

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: 38.9%
• Equity multiple: 2.59×
• Total profit: $62,349
• Equity at exit: $20,874

10-year hold

• IRR: 43.8%
• Equity multiple: 4.59×
• Total profit: $140,552
• Equity at exit: $12,105

Cash invested: $39,200 (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: 77
• Price-to-rent: 3.8×

Monthly cashflow live

• Estimated rent: $3,094 high
• Mortgage (P&I): −$734
• Tax est. 1.5%: −$175 /mo · $2,100/yr
• Insurance: −$58
• HOA: −$0
• Vacancy / Maint / Mgmt: −$650
• Net cashflow: $1,477

Break-even live

Break-even rent $1,225

Max offer price $139,999

Occupancy floor 47%

Sensitivity live

Price	-10% $1,574	-5% $1,525	+0% $1,477	+5% $1,428	+10% $1,380
Rent	-10% $1,232	-5% $1,355	+0% $1,477	+5% $1,599	+10% $1,721
Rate	-1.0pp $1,547	-0.5pp $1,512	base $1,477	+0.5pp $1,440	+1.0pp $1,404

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: $35,000
• Closing costs: $4,200
• Reserves months: —
• Total cash needed: —

Rent comps 23 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	0d	1	0.37mi
1221 N Vineyard Ave Ontario, CA	1.0–2.0	1.0–2.0	867	$2,345	$2.70	0d	5	0.45mi
1879 E Jay St Unit B Ontario, CA	3.0	1.5	1033	$2,750	$2.66	0d	1	0.53mi
1037 N Archibald Ave Ontario, CA	2.0–3.0	2.5	1612	$3,582	$2.22	0d	6	0.64mi
2000 Inland Empire Blvd Ontario, CA	3.0	1.0–2.0	808	$3,799	$4.70	0d	34	0.68mi
2615 E Date Palm Paseo Ontario, CA	1.0–3.0	1.0–2.0	937	$3,349	$3.57	0d	26	0.77mi
755 N Via Dolcetto Ontario, CA	2.0	2.5	1462	$3,140	$2.15	13d	1	0.94mi
1725 E G St Ontario, CA	2.0–4.0	2.5–3.5	1100	$2,690	$2.45	0d	5	0.95mi
1675 E G St Ontario, CA	1.0–3.0	1.0–2.0	842	$2,500	$2.97	0d	10	0.97mi
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	16d	1	1.00mi
1548 N Lassen Ave Ontario, CA	2.0	2.0	900	$2,500	$2.78	0d	1	1.05mi
1701 E D St Ontario, CA	1.0–3.0	1.0–2.0	993	$3,175	$3.20	0d	19	1.05mi
2904 E Via Fiano Ontario, CA	4.0	2.5	1749	$3,250	$1.86	23d	1	1.07mi
1005 N Center Ave Ontario, CA	1.0–3.0	1.0–2.0	962	$3,353	$3.49	0d	21	1.20mi
811 N Turner Ave Unit 7 Ontario, CA	2.0	2.5	1445	$3,200	$2.21	18d	1	1.21mi
8739 Pine Crest Pl Rancho Cucamonga, CA	2.0	1.5	1179	$2,700	$2.29	0d	1	1.24mi
8731 Pine Crest Pl Rancho Cucamonga, CA	2.0	1.5	1179	$2,995	$2.54	4d	1	1.25mi
751 N Corvette Dr Unit 4 Ontario, CA	3.0	1.5	1200	$2,950	$2.46	0d	1	1.28mi
713 N Corvette Dr Unit 1 Ontario, CA	3.0	1.5	1350	$3,200	$2.37	11d	1	1.31mi
713 N Corvette Dr Unit 3 Ontario, CA	3.0	1.5	1250	$2,900	$2.32	4d	1	1.31mi
8445 Chaffee St Rancho Cucamonga, CA	4.0	2.0	1438	$3,300	$2.29	16d	1	1.37mi
8555 Sandalwood Ct Rancho Cucamonga, CA	3.0	2.0	1400	$3,375	$2.41	0d	1	1.41mi

Listing history 34 events

1. 2026-06-21
   days on market $139,999 Active 132 DOM
2. 2026-06-18
   days on market $139,999 Active 129 DOM
3. 2026-06-17
   days on market $139,999 Active 128 DOM
4. 2026-06-16
   days on market $139,999 Active 127 DOM
5. 2026-06-15
   days on market $139,999 Active 126 DOM
6. 2026-06-13
   days on market $139,999 Active 124 DOM
7. 2026-06-13
   days on market $139,999 Active 123 DOM
8. 2026-06-09
   days on market $139,999 Active 120 DOM
9. 2026-06-08
   days on market $139,999 Active 119 DOM
10. 2026-06-07
    days on market $139,999 Active 118 DOM
11. 2026-06-04
    days on market $139,999 Active 115 DOM
12. 2026-06-03
    days on market $139,999 Active 114 DOM
13. 2026-06-02
    days on market $139,999 Active 113 DOM
14. 2026-06-01
    days on market $139,999 Active 112 DOM
15. 2026-05-31
    days on market $139,999 Active 111 DOM
16. 2026-04-22
    price $139,999
17. 2026-03-22
    price $145,000
18. 2026-02-20
    price $149,999
19. 2026-02-09
    listed $155,000 Active
20. 2024-09-04
    soldstatus $149,500 Closed Sale 1061-char remark

    Show marketing remark (1061 chars)

    Discover this 4-bedroom, 2-bathroom mobile home in the Lamplighter Mobile Home Park in Ontario. Featuring an open concept design in your main living spaces. Enjoy the convenience of a Nest thermostat for energy efficiency, while the spacious living and dining areas provide a warm and inviting atmosphere. The primary bedroom offers an en-suite bathroom complete with a separate tub and shower, dual sinks, and plenty of space for your comfort. Each of the additional 3 bedrooms boasts ample size to accommodate your furnishings or the kids toys. Step out the sliding glass door to a covered patio with stamped concrete, complemented by a side yard featuring low-maintenance artificial turf—perfect for outdoor activities. You’ll also love the variety of fruit trees, including apple, peach, guava, and avocado, providing fresh produce right from your yard. With a 2-car covered carport and a large shed for extra storage, this home provides functionality. Enjoy community amenities such as a clubhouse, pool and spa, playground, and RV parking lot.

21. 2024-07-31
    status Pending Sale 1061-char remark

    Show marketing remark (1061 chars)

    Discover this 4-bedroom, 2-bathroom mobile home in the Lamplighter Mobile Home Park in Ontario. Featuring an open concept design in your main living spaces. Enjoy the convenience of a Nest thermostat for energy efficiency, while the spacious living and dining areas provide a warm and inviting atmosphere. The primary bedroom offers an en-suite bathroom complete with a separate tub and shower, dual sinks, and plenty of space for your comfort. Each of the additional 3 bedrooms boasts ample size to accommodate your furnishings or the kids toys. Step out the sliding glass door to a covered patio with stamped concrete, complemented by a side yard featuring low-maintenance artificial turf—perfect for outdoor activities. You’ll also love the variety of fruit trees, including apple, peach, guava, and avocado, providing fresh produce right from your yard. With a 2-car covered carport and a large shed for extra storage, this home provides functionality. Enjoy community amenities such as a clubhouse, pool and spa, playground, and RV parking lot.

22. 2024-07-17
    price $169,900 1061-char remark

    Show marketing remark (1061 chars)

    Discover this 4-bedroom, 2-bathroom mobile home in the Lamplighter Mobile Home Park in Ontario. Featuring an open concept design in your main living spaces. Enjoy the convenience of a Nest thermostat for energy efficiency, while the spacious living and dining areas provide a warm and inviting atmosphere. The primary bedroom offers an en-suite bathroom complete with a separate tub and shower, dual sinks, and plenty of space for your comfort. Each of the additional 3 bedrooms boasts ample size to accommodate your furnishings or the kids toys. Step out the sliding glass door to a covered patio with stamped concrete, complemented by a side yard featuring low-maintenance artificial turf—perfect for outdoor activities. You’ll also love the variety of fruit trees, including apple, peach, guava, and avocado, providing fresh produce right from your yard. With a 2-car covered carport and a large shed for extra storage, this home provides functionality. Enjoy community amenities such as a clubhouse, pool and spa, playground, and RV parking lot.

23. 2024-07-12
    listed $180,000 Active 1061-char remark

    Show marketing remark (1061 chars)

    Discover this 4-bedroom, 2-bathroom mobile home in the Lamplighter Mobile Home Park in Ontario. Featuring an open concept design in your main living spaces. Enjoy the convenience of a Nest thermostat for energy efficiency, while the spacious living and dining areas provide a warm and inviting atmosphere. The primary bedroom offers an en-suite bathroom complete with a separate tub and shower, dual sinks, and plenty of space for your comfort. Each of the additional 3 bedrooms boasts ample size to accommodate your furnishings or the kids toys. Step out the sliding glass door to a covered patio with stamped concrete, complemented by a side yard featuring low-maintenance artificial turf—perfect for outdoor activities. You’ll also love the variety of fruit trees, including apple, peach, guava, and avocado, providing fresh produce right from your yard. With a 2-car covered carport and a large shed for extra storage, this home provides functionality. Enjoy community amenities such as a clubhouse, pool and spa, playground, and RV parking lot.

24. 2023-11-22
    historical
25. 2023-11-13
    status Active
26. 2023-11-11
    status Pending Sale
27. 2023-09-12
    price $170,000
28. 2023-07-24
    listed $175,000 Active
29. 2022-04-22
    soldstatus $155,000 Closed Sale
30. 2022-03-09
    status Pending Sale
31. 2022-01-20
    listed $150,000 Active
32. 2009-07-18
    historical
33. 2009-05-04
    price $39,500
34. 2009-04-19
    listed $49,500

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

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: $37,128
• − Mortgage interest: −$7,842
• − Property taxes: −$2,100
• − Insurance: −$700
• − Repairs & maintenance: −$2,970
• − Management: −$2,970
• − Depreciation: −$4,073
• Taxable income: $16,473
• Est. tax owed @ 24.0%: −$3,953
• After-tax cash flow: $13,768/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

+182.8% since first listed

19 events — show timeline

• 2026-04-22 Price Changed $139,999 CRMLS
• 2026-03-22 Price Changed $145,000 CRMLS
• 2026-02-20 Price Changed $149,999 CRMLS
• 2026-02-09 Listed $155,000 CRMLS
• 2024-09-04 Sold (MLS) $149,500 CRMLS
• 2024-07-31 Pending — CRMLS
• 2024-07-17 Price Changed $169,900 CRMLS
• 2024-07-12 Listed $180,000 CRMLS
• 2023-11-22 Listing Removed — CRMLS
• 2023-11-13 Relisted — CRMLS
• 2023-11-11 Pending — CRMLS
• 2023-09-12 Price Changed $170,000 CRMLS
• 2023-07-24 Listed $175,000 CRMLS
• 2022-04-22 Sold (MLS) $155,000 CRMLS
• 2022-03-09 Pending — CRMLS
• 2022-01-20 Listed $150,000 CRMLS
• 2009-07-18 Listing Removed — CRMLS
• 2009-05-04 Price Changed $39,500 CRMLS
• 2009-04-19 Listed $49,500 CRMLS

Property tax history

-0.4%/yr

Latest (2012): $161 · -1.3% YoY. Source: county tax records.