20864 Center St, Riverside, California 92507, Riverside, - bed, bath

home-pic
ACTIVE$775,000
20864 Center St, Riverside, California 92507
4Beds
3Baths
2,870Sqft
10,454Lot
Year Built
2018
Close
-
List price
$775K
Original List price
$775K
Price/Sqft
-
HOA
-
Days on market
-
Sold On
-
MLS number
SW25235449
Home ConditionExcellent
Features
Good View: Canyon, Hills, Mountain(s), Neighborhood
Patio
ViewCanyon, Hills, Mountain(s), Neighborhood

About this home

Rare Opportunity to Save BIG on Your Monthly Payment! Take advantage of a 1% interest rate reduction on ANY loan program - FHA, VA, or Conventional - with ZERO cost to you! Lower monthly payments, and no extra fees. Welcome to 20864 Center St, located in the desirable Spring Mountain Ranch community of Riverside. This modern, turnkey, single-story 4 bed, 3 bath home built in 2018 offers nearly 2,900 sq ft of open-concept living on a spacious 10,000+ sq ft lot. NO HOA. Designed for today’s lifestyle, it features a true open floor plan, wide hallways, an additional flex room, stylish LVP flooring, custom lighting fixtures throughout, ceiling fans, recessed lighting, solar panels for energy savings, and low-maintenance front and backyard landscaping for effortless living. The gourmet kitchen showcases custom upgrades, upgraded quartz countertops, a large center island, stainless steel appliances, and a walk-in pantry perfect for entertaining or everyday use. The primary suite is thoughtfully separated from the other three bedrooms for added privacy and features a redesigned bathroom with custom finishes and a spacious walk-in shower beautifully upgraded beyond the builder’s standard design. Enjoy a covered patio perfect for outdoor dining or gatherings, large windows that flood the home with natural light, and a private backyard with no rear neighbors, ideal for relaxing or taking in the mountain views. Additional highlights include a tankless water heater, energy-efficient systems, and a spacious 3-car garage. Nestled in Spring Mountain Ranch, a quiet neighborhood just a short distance to Spring Mountain Ranch Park with easy access to local schools, Loma Linda University Medical Center, UC Riverside, and downtown Riverside. Close freeway access to the 215, 60, 10, and 91 freeways makes commuting to a variety of areas convenient and efficient. This move-in-ready Riverside gem perfectly blends elegance, comfort, and modern design in a desirable single-level layout.

Price History

Date
Event
Price
10/15/25
Listing
$775,000
Neighborhood Comparison

 SubjectAverage HomeNeighbourhood Ranking (124 Listings)
Beds44
50%
Baths32
61%
Square foot2,8701,749
89%
Lot Size10,4548,058
77%
Price$775K$650K
82%
Price per square foot$270$366
13%
Built year20181985
68%
HOA
Days on market22174
1%
Condition Rating
Excellent

This property, built in 2018, is practically new and falls well within the 'built within 10 years' criteria for an excellent rating. The description highlights it as 'modern, turnkey' with 'stylish LVP flooring, custom lighting fixtures, ceiling fans, and recessed lighting throughout.' The gourmet kitchen features 'custom upgrades, upgraded quartz countertops, a large center island, and stainless steel appliances,' which are clearly visible and in pristine condition in the images. The primary bathroom is described as 'redesigned with custom finishes and a spacious walk-in shower beautifully upgraded beyond the builder’s standard design,' which is consistent with the modern, high-quality finishes seen. All major systems, including solar panels and a tankless water heater, are energy-efficient and modern. There is no deferred maintenance, and the property presents as virtually new, meeting current quality standards.
Pros & Cons

Pros

Modern & Turnkey Condition: Built in 2018, this single-story home offers nearly 2,900 sq ft of modern, open-concept living with stylish LVP flooring, custom lighting, ceiling fans, and recessed lighting, making it move-in ready.
Significant Energy Efficiency & Savings: Equipped with solar panels, a tankless water heater, and other energy-efficient systems, the property offers substantial savings on utility costs, appealing to environmentally conscious buyers.
Upgraded Gourmet Kitchen & Primary Suite: The gourmet kitchen features custom upgrades, quartz countertops, a large center island, stainless steel appliances, and a walk-in pantry. The primary suite boasts a redesigned bathroom with custom finishes and an upgraded walk-in shower.
Desirable Location & Accessibility: Located in the quiet Spring Mountain Ranch community, it offers easy access to local schools, Loma Linda University Medical Center, UC Riverside, downtown Riverside, and major freeways (215, 60, 10, 91).
Financial Incentive & No HOA: A rare offer of a 1% interest rate reduction on any loan program with zero cost significantly lowers monthly payments. Additionally, the absence of an HOA fee provides further cost savings and fewer restrictions.

Cons

Limited Backyard Development: While featuring a covered patio and mountain views, the backyard is described as 'low-maintenance landscaping' and lacks extensive outdoor living amenities like a pool, built-in BBQ, or elaborate hardscaping that some buyers might expect for a 10,000+ sq ft lot.
Potential for Higher Property Taxes: As a newer construction (2018) in California, the property is likely subject to higher property taxes based on its current market value, which could be a significant ongoing cost for buyers.
Reliance on Special Financing Offer: The attractive 1% interest rate reduction is a specific offer that may be time-sensitive or tied to a particular lender, potentially limiting buyer flexibility or expiring, which could impact the property's perceived value without it.

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