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186 W 20th St, Upland, CA, 91784

5beds
4baths
3,386sqft
$1,699,990
$502price/sqft
$11,158/moest. monthly cost
$446,320/yrincome needed

About This Home

This is more than an address. It's the lifestyle you've worked for... Nestled on an expansive 15,000+ sq. ft. lot and offering over 3,300 sq. ft. of beautifully reimagined living space, this exceptional custom residence seamlessly blends sophisticated luxury with the relaxed elegance of California resort living. Completely redesigned just over two years ago, every detail was thoughtfully curated, from the timeless architecture, manicured landscaping, and elegant stone façade to the rich wide-plank hardwood flooring, custom cabinetry, designer lighting, premium quartz surfaces, and refined finishes throughout. At the heart of the home, the chef's kitchen is designed to bring everyone together. An oversized waterfall island, premium appliances, abundant cabinetry, and generous prep space make entertaining effortless. With the touch of a button, the dramatic accordion glass doors disappear, creating a seamless transition between the kitchen, dining room, living room, and the spectacular backyard—blurring the lines between indoor comfort and outdoor luxury. The primary suite serves as a true private retreat, offering a peaceful escape with generous proportions, spa-inspired comforts, and the perfect place to unwind after a day spent entertaining Over $440,000 in interior and exterior upgrades! Creating a backyard worthy of a luxury resort. Enjoy a sparkling custom pool with an expansive Baja shelf, cascading waterfalls, programmable color-changing LED lighting, a bubbling spa, a fully equipped outdoor kitchen with built-in BBQ, and a covered outdoor television and dining area—perfect for year-round entertaining. Backing directly to a private community park, you'll enjoy additional privacy along with convenient access to open green space for morning walks, playing with the kids, or strolling with your dogs. Additional flexible living areas currently serve as bonus sleeping quarters and oversized dressing or closet spaces, offering endless possibilities for a home office, fitness studio, media room, or guest accommodations. Owned solar and an electric vehicle charging connection in the spacious three-car garage add efficiency and convenience to this remarkable home. Whether you're hosting unforgettable celebrations, enjoying quiet mornings overlooking the pool, or relaxing beside the fire as the waterfalls gently cascade into the illuminated pool, this home was designed to make every day feel like a luxury vacation. Welcome home.

Getting Around

16
WalkingCar-Dependent
0
TransitNo Nearby Transit
19
BikeSomewhat Bikeable

Schools

9/10
8/10
7/10
Upland High SchoolGrades 9-122.2 mi

Construction

Condition

  • Property condition: Turnkey
  • Year built: 2013

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher
  • Laundry features: Laundry Room

Bathroom

  • Features: Bathtub,Quartz Counters,Separate Shower

Bedroom

  • Features: Bedroom on Main Level

Bedroom

  • Features: All Bedrooms Down

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 3
  • 3/4 bathrooms: 1
  • Main level bathrooms: 3
  • Main level bedrooms: 4

Features

  • All Bedrooms Down,Bedroom on Main Level,Main Level Primary,Primary Suite,Walk-In Pantry,Walk-In Closet(s)
  • Flooring: Wood
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 3,386 sqft

Kitchen

  • Features: Kitchen Island,Kitchen/Family Room Combo,Quartz Counters,Remodeled,Self-closing Cabinet Doors,Self-closing Drawers,Updated Kitchen,Utility Sink,Walk-In Pantry

Master Bedroom

  • Features: Main Level Primary

Other

  • Features: Walk-In Closet(s)

Pantry

  • Features: Walk-In Pantry

Property

Details

  • Parcel number: 1044051170000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: Street level
  • Private pool: Yes
  • Pool features: Private
  • Patio & porch: Enclosed
  • Has spa: Yes
  • Spa features: Heated,Private
  • Has view: Yes
  • View description: None

Lot

  • Lot size: 0.35 Acres
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 6
  • Parking features: Direct Access,Garage
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 3
  • Uncovered spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Landslide
Wildfire

FEMA Declared Disasters in San Bernardino County and California

Earthquake
Fire
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $8,596$103,152
Home Insurance *$325$3,900
Property Taxes $1,511$18,132
Electricity $726$8,713
Total$11,158$133,896
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$382,560/yr
40% on housing$334,740/yr
45% on housing$297,546/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$502This listing

vs Other Active Listings

Avg $/sqft

ZIP 91784$462
San Bernardino County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 91784$436
San Bernardino County$319

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-08-13Pending sale$1,699,990
2026-08-01Listed for sale$1,699,990
2023-03-16Sold$1,205,000
2023-02-17Pending sale$1,225,000
2023-01-27Listed for sale$1,225,000
2014-01-15Sold$714,000

For Sale by Agent

AgentLeticia Georgia
BrokerageElevate Real Estate Agency

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