1456-E Philidelphia St #245 · Ontario, CA 91761

$169,999

2 bd · 2.0 ba · 1,152 sqft · Manufactured public records · 71 Days on market

Built 1980 Est $115k · 48% over

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Why this score? — see what drove the C+ 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
• 1% rule +10.0/10.0
• DSCR +10.0/10.0
• Schools +3.7/10.0
• Livability +3.2/5.0
• Rent growth +3.1/5.0
• Condition / age +2.5/5.0
• ARV discount +0.0/15.0
• Appreciation +0.0/10.0

Listing remarks MLS

THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

Key facts

• 2 parking spots
• Community pool
• Built 1980

Property features AI

Finance

• Financial info: Monthly land lease of $1,550 (seller reported)
• HOA & community: Senior community; Community amenities include pool and pickleball; Community features: curbs, bike paths, dog park, street lighting; Park name: Rancho Ontario; Manager approval required; Pets allowed

Exterior

• Parking: Concrete driveway; Attached carport (2 carport spaces, 2 total parking spaces)
• Security: Gated community with attendant
• Utilities: Public/district water; Public sewer; Electricity connected (standard); Cable available; Underground utilities
• Home design: Single-story home; Entry at front; Updated/remodeled condition; Mobile home remains (12' x 48')
• Construction: Shingle roof; Pier jacks foundation
• Exterior features: Front and rear porches; In-ground heated pool (community exercise pool); Shed on property; Block wall fencing; Lot is level/flat

Interior

• Kitchen: Remodeled kitchen with quartz counters; Kitchen island; Kitchen open to family room; Microwave; Refrigerator; Gas range and gas oven; Dishwasher
• Bedrooms: All bedrooms on one level
• Flooring: Tile; Laminate
• Bathrooms: Two full bathrooms; Upgraded and remodeled baths with quartz counters; Main floor full bath; Walk-in shower; Double sinks in master bath
• Heating & cooling: Central heating (central furnace); Central cooling
• Interior features: Beamed ceilings; Quartz counters; Ceiling fan; Recessed lighting; Open floor plan; Double pane windows; Heated spa; Gated community with attendant
• Laundry & utility: Dedicated laundry room; Washer hookup; Gas dryer hookup

What this means for you Summary

Snapshot

• This is a 2-bed/2.0-bath manufactured listed at $170k.

Deal economics

• At list price, monthly cash flow is $1k ($12k/yr) — positive.
• The deal already cash-flows at list — no discount required.
• Meets the 1% rule at list price ($3k rent vs $170k).
• Recommended offer: $160k (6.0% below list) — sets the bar for market timing.
• Cap rate 13.6% 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.
• Ontario-Montclair (urban): math 35% / reading 44% proficiency, ranked #731 of 1,400 in CA (top 52%) — families likely to look elsewhere, expect single-tenant / working-renter base with shorter leases; 75% free/reduced lunch — lower-income household profile, screen leases tightly.
• Market conditions: Rents rising (+2.4%/yr); 314 active listings in the ZIP; 9 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 33% of the median local income ($101k/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 + 2.4% rent growth), your $48k cash investment doubles in ~5 years — after that, you're playing with house money.

Negotiation context

• It's been on market 71 days — a 6% lower offer ($160k) is reasonable based on typical stale-listing flexibility.
• 4 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.

Risks & watch-outs

• Climate carrying-cost: extreme-heat days projected 7→19/yr by 2055 (HVAC capex compounding) — expect insurance premiums to compound above CPI over the hold.

Recommended offer $159,799 (6.0% below list)

Questions for the listing agent

1. It's been on market 71 days. Have you received any prior offers? Is the seller open to a 6% 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: 1.65% ✓
• Cap rate: 13.62%
• Cash-on-cash: 26.16%
• DSCR: 2.16
• GRM: 5.1

CMA / ARV

• ARV (on-the-fly): $115,200
• Comps found: 7

Show comp detail 7 sales within ~0.75 mi

Address	Dist	Beds/Ba	Sqft	Sold	Price	$/sf	Match
1456 E Philadelphia St Spc 412	0.12mi	2/2.0	1,152 (0%)	0mo	$95,000	$82	94
1456 E Philadelphia St Spc 41	0.00mi	2/2.0	1,248 (+8%)	1mo	$161,000	$129	85
1456 E Philadelphia St #108	0.00mi	2/2.0	1,248 (+8%)	10mo	$125,000	$100	78
1456 Philadelphia #398	0.06mi	2/2.0	1,200 (+4%)	23mo	$95,000	$79	71
1456 E Philadelphia Street Spc 116	0.00mi	2/2.0	1,248 (+8%)	19mo	$102,750	$82	71
1456 E Philadelphia St Spc 434	0.00mi	2/2.0	1,056 (-8%)	24mo	$130,000	$123	66
1456 E Philadelphia St #315	0.00mi	3/2.0 (+1)	1,248 (+8%)	18mo	$170,000	$136	66

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 · 2.39% rent growth · sell at horizon

5-year hold

• IRR: 19.2%
• Equity multiple: 1.77×
• Total profit: $36,866
• Equity at exit: $25,347

10-year hold

• IRR: 27.1%
• Equity multiple: 3.32×
• Total profit: $110,438
• Equity at exit: $14,698

Cash invested: $47,600 (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 91761

• Rents YoY: 2.4%
• Active inventory: 314
• Price-to-rent: 5.1×

Monthly cashflow live

• Estimated rent: $2,800 high
• Mortgage (P&I): −$891
• Tax est. 1.5%: −$212 /mo · $2,550/yr
• Insurance: −$71
• HOA: −$0
• Vacancy / Maint / Mgmt: −$588
• Net cashflow: $1,038

Break-even live

Break-even rent $1,487

Max offer price $169,999

Occupancy floor 58%

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: $42,500
• Closing costs: $5,100
• Reserves months: —
• Total cash needed: —

Rent comps 9 comps

Address	Beds	Baths	Sqft	Rent	$/sqft	DOM	Units	Dist
1110 E Philadelphia St Ontario, CA	1.0–2.0	1.0–2.0	904	$3,207	$3.55	2d	12	0.47mi
1056 E Philadelphia St Ontario, CA	1.0	1.0	688	$2,465	$3.58	2d	1	0.55mi
2432 S Garfield Pl Ontario, CA	3.0	2.0	1118	$3,150	$2.82	2d	1	0.66mi
2042 S Bon View Ave Unit C Ontario, CA	2.0	2.5	1364	$2,700	$1.98	2d	1	0.85mi
1900 S Campus Ave Ontario, CA	1.0–2.0	1.0	662	$2,179	$3.29	2d	10	1.15mi
629 E Madeleine Privado Ontario, CA	3.0	2.5	1465	$3,350	$2.29	44d	1	1.29mi
629 E Madeleine Privado Ontario, CA	3.0	2.5	1465	$3,250	$2.22	22d	1	1.29mi
619 E Riverside Dr Ontario, CA	1.0–2.0	1.0–2.0	866	$2,295	$2.65	3d	5	1.43mi
551 E Riverside Dr Ontario, CA	1.0–2.0	1.0–2.0	782	$2,665	$3.41	3d	12	1.49mi

Listing history 30 events

1. 2026-06-18
   days on market $169,999 Active 71 DOM
2. 2026-06-17
   days on market $169,999 Active 70 DOM
3. 2026-06-16
   days on market $169,999 Active 69 DOM
4. 2026-06-15
   days on market $169,999 Active 68 DOM
5. 2026-06-13
   days on market $169,999 Active 66 DOM
6. 2026-06-13
   days on market $169,999 Active 65 DOM
7. 2026-06-09
   days on market $169,999 Active 62 DOM
8. 2026-06-08
   days on market $169,999 Active 61 DOM
9. 2026-06-07
   days on market $169,999 Active 60 DOM
10. 2026-06-04
    days on market $169,999 Active 57 DOM
11. 2026-06-03
    days on market $169,999 Active 56 DOM
12. 2026-06-02
    days on market $169,999 Active 55 DOM
13. 2026-06-01
    days on market $169,999 Active 54 DOM
14. 2026-05-31
    days on market $169,999 Active 53 DOM
15. 2026-04-08
    listed $169,999 Active
16. 2026-04-01
    historical $169,999
17. 2025-03-31
    soldstatus $155,000 Closed Sale 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

18. 2025-03-29
    status Pending Sale 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

19. 2025-03-07
    historical Active Under Contract 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

20. 2025-01-26
    price $159,000 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

21. 2025-01-02
    price $188,888 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

22. 2025-01-02
    price $199,888 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

23. 2024-12-08
    listed $218,888 Active 905-char remark

    Show marketing remark (905 chars)

    THIS IS A NEWLY REMODELED luxury mobile home in the Rancho Ontario Park. Very open floor-plan with exquisite endless details throughout. This home is a perfect blend of comfort and style, offering a peaceful oasis for those looking to enjoy the best of mobile home living in a vibrant 55 and up community. It features 2 bedroom, 2 baths plus large living room with beamed ceiling and fireplace. New plumbing, new tankless water heater, recesses lighting, new double pane windows, new painted, new laminate wood flooring, new modern lighting & fixtures throughout. Completely brand new bathrooms. Gourmet kitchen w/ quartz counter top, stainless steel appliances and large center Ireland. Washer and gas dryer hook ups in the property. The park offers, heated jacuzzies, pool, remodeled clubhouse, bocci ball and pickle ball courts, with 2 dog parks. JUST LIKE A BRAND NEW HOUSE. ABSOLUTELY GORGEOUS!

24. 2024-11-26
    historical
25. 2024-10-28
    price $235,999
26. 2024-09-03
    price $244,999
27. 2024-07-30
    listed $250,000 Active
28. 2024-04-11
    soldstatus $76,000 Closed Sale
29. 2024-03-05
    historical Active Under Contract
30. 2024-02-23
    listed $74,900 Active

ⓘ 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 4/10 Moderate FEMA zone X · 20% chance over 30 yrs
• 🔥 Wildfire 1/10 Low
• 🌡 Heat 8/10 Severe 7 d/yr ≥100°F today · 19 d/yr by 30 yrs out
• 💨 Wind 1/10 Low
• 🫁 Air quality 9/10 Extreme 23 unhealthy d/yr today · 26 by 30 yrs out

Taxation est. · year 1

• Rental income: $33,605
• − Mortgage interest: −$9,523
• − Property taxes: −$2,550
• − Insurance: −$850
• − Repairs & maintenance: −$2,688
• − Management: −$2,688
• − Depreciation: −$4,945
• Taxable income: $10,360
• Est. tax owed @ 24.0%: −$2,486
• After-tax cash flow: $9,964/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: Ontario-Montclair
• NCES district ID: 0628470
• Math proficiency: 35% ▲ 4.00%
• Reading proficiency: 44% ▲ 2.00%
• Median HH income: $50,668
• Composite: 36.57/100
• National rank: #9282
• State rank: #731 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): 62,935
• Household income: $100,578
• Rent vs Own: 30.7% rent · 69.3% own
• Severe rent burden: 1853.0

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 (66%)
• Race & ethnicity: Hispanic / Latino 66% Two or more races 23% White 15% Asian 9% Black 6% Native American 2%
• Hispanic origin (detail): Mexican 59%
• Common ancestry: Iranian 1% Lithuanian 1% Italian 1%
• Foreign-born: 24% · Canada, China, Vietnam
• Languages at home: 51% English-only · Spanish 41% Chinese 3% 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: ▼ -374.91%
• Current HPI: 400.5674
• Rent YoY: ▲ 2.39%
• 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

+127.0% since first listed

16 events — show timeline

• 2026-04-08 Listed $169,999 CRMLS
• 2026-04-01 Coming Soon $169,999 CRMLS
• 2025-03-31 Sold (MLS) $155,000 CRMLS
• 2025-03-29 Pending — CRMLS
• 2025-03-07 Contingent — CRMLS
• 2025-01-26 Price Changed $159,000 CRMLS
• 2025-01-02 Price Changed $188,888 CRMLS
• 2025-01-02 Price Changed $199,888 CRMLS
• 2024-12-08 Listed $218,888 CRMLS
• 2024-11-26 Listing Removed — CRMLS
• 2024-10-28 Price Changed $235,999 CRMLS
• 2024-09-03 Price Changed $244,999 CRMLS
• 2024-07-30 Listed $250,000 CRMLS
• 2024-04-11 Sold (MLS) $76,000 CRMLS
• 2024-03-05 Contingent — CRMLS
• 2024-02-23 Listed $74,900 CRMLS

Property tax history

+4.1%/yr

Latest (2025): $256 · +96.5% YoY. Source: county tax records.