$420,777
190 Spruce
Sugarloaf, CA 92386 · SGLF - Sugarloaf
Interested?
Listing agent: Nancy Perez
Listing office: Realty Executives Temecula
Contact: 951-529-4471
Advertising broker: NJV Realty, DRE #02446814
MLS# SW26088702 · CRMLS
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See this home in person
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About this home
Furnished and equipped. Cozy outdoor nooks to kick back and relax or enjoy the warmth in front of 1 of 3 fireplaces. 3 bedroom with main level bedroom and bathroom, concrete parking pad plus additional RV/ Boat parking.…
Facts & features
Neighborhood insights
Area
SGLF - Sugarloaf
Micro-markets vary by street. Ask NJV for street-level comps and commute notes.
Schools
Verify with district
Official ratings and boundaries must be confirmed with the school district. Live rating APIs not connected yet.
Price / sq ft
$260
This home only. Sold comps give better context than a single automated value.
Walk & lifestyle
Tour the block
Live Walk Score® appears in the Walk & access panel when coordinates are available. For block-level feel, schedule a tour or ask about parks, shopping, and transit.
Location
190 Spruce, Sugarloaf, CA, 92386
Map location is approximate and for reference only. Confirm boundaries, access, and disclosures with your agent before relying on location for decisions.
Property history
Price history
List prices, original list price, previous list price, and price-change timestamps shown here are supplied by CRMLS through the IDX feed when available. NJV Realty does not invent intermediate price points. A listing may have had additional changes that are not included in the public IDX fields. Data is deemed reliable but not guaranteed.
Status: Active · 105 days on market · Reduced $28,723 vs original list
Original list
$449,500
Apr 28, 2026
Previous list
$434,999
Jul 21, 2026
Current list
$420,777
Jul 21, 2026
Schools
Nearby schools from GreatSchools when configured. Always confirm attendance boundaries with the district — assignment is by address, not city name alone.
No live school list yet. Add GREAT_SCHOOLS_API_KEY or use the public links below.
District & public links
- GreatSchools school finder ↗Third-party ratings — verify boundaries
- California School Directory (CDE) ↗
School data © GreatSchools.org when API is configured.
Work with NJV
Agent match
We are a licensed California brokerage — not a national agent ad marketplace. Tell us your goal and we connect you with the right NJV path.
Buying in the IE / SGV
Map search, offer strategy, and local comps with a licensed buyer’s agent.
Match with a buyer agent →Selling your home
Pricing, airmets aerial marketing, and negotiation with the listing team.
Talk to a listing agent →“Clear communication and local knowledge of Temescal Valley and Corona made our search much less stressful.”
“Professional marketing and drone media helped our listing stand out. Process felt organized from day one.”
Feedback is not a star-rating marketplace. Past results do not guarantee future outcomes. Jessica Chen Valmores, DRE #02013597.
Listing notices & complianceShow
Listing information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by CRMLS or NJV Realty. © Multiple Listing Service. All rights reserved. Listing data may not reflect all real estate activity in the market. Properties may have sold, been withdrawn, or changed price without notice. Square footage, lot size, room counts, and other measurements are approximate and should be independently verified. The listing broker’s offer of compensation is made only to participants of the MLS where the listing is filed. NJV Realty (Advertising Broker, California DRE #02446814) displays listings under the CRMLS IDX program when enabled; listing agent and listing office are identified on each property display.
Mortgage estimate for this home
Payment figures are estimates only — not a loan offer or rate lock. NJV Realty is a real estate brokerage.
Estimated Monthly Payment Range
$2,701 – $2,717/mo
Scenario at 6.50% with a conservative buffer. Not a loan offer or rate lock.
- Principal & Interest$2,128
- Property Tax$386
- Insurance$125
- PMI (est.)$79
- Total Interest (life of loan)$429,343
Based on these assumptions
$2,701 – $2,717/mo estimated range
$420,777 home · $84,155 down (20%) · 30-yr fixed at 6.50% default rate assumption · $4,629/yr tax (~1.10% estimate) · $1,500/yr insurance · $79/mo PMI est. (0.28% of loan).
Even when a market rate snapshot is displayed, mortgage rates change daily and vary by borrower, loan amount, occupancy, and lock period. The rate shown is not guaranteed and is not a rate lock until confirmed in writing by a licensed loan originator.
Payment ranges on this site use stated assumptions — including an estimated interest rate, property tax rate by ZIP (or California average), home insurance by price tier, and HOA dues you provide or we assume. These figures are for budgeting only and are not a loan offer. Your actual monthly payment will depend on your locked rate, credit profile, loan program, impounds, insurance quote, Mello-Roos or special assessments, and other costs determined at application.Private mortgage insurance (PMI) estimates apply when your down payment is less than 20% on conventional loans. PMI amounts shown are calculated from loan-to-value (LTV) and self-reported or selected credit profile — not a quote from a mortgage insurer. FHA, VA, and USDA loans use different mortgage insurance or guarantee structures. PMI on conventional loans is typically cancellable once you reach 78–80% LTV per federal Homeowners Protection Act guidelines, subject to investor and servicer requirements.Information on this page — including payment estimates, rate examples, and pre-qualification discussions — does not constitute a loan offer, loan commitment, rate lock, or guarantee of credit approval. A formal Loan Estimate will be provided after you submit a complete application, as required by the TILA-RESPA Integrated Disclosure rule (TRID), Regulation Z (12 C.F.R. Part 1026) and Regulation X (12 C.F.R. Part 1024). All loans are subject to credit approval, property appraisal, underwriting guidelines, and investor requirements.