514 E Victory St, Banning, CA 92220
Property for salePhoto tour
- Price
- $735,999
- Beds
- 3
- Baths
- 2
- Sq Ft
- 1,512
- Acres
- 2.20
- Year
- 1964
About this home
The strategy first, then the square footage.
Why about an hour north is the smart move
About an hour's drive north of Old Town Temecula, Banning's Solera pocket delivers what a modern Temecula lot rarely can at this price: real acreage, unrestricted land use, and a view that doesn't end at a neighbor's fence line. You don't leave Temecula. You gain a base camp. Keep your weekends in Wine Country. Wake up with room to breathe.
This is location arbitrage, not relocation. A spacious, airy alternative to traditional suburban living, with Saturday's tasting flight still firmly in the plans.
The land is the product. 2.2 acres of it.
Sell the dirt, not the drywall: this listing is first a parcel, second a home. RA-zoned horse property on a quiet Solera corner, the kind of lot that's all but extinct inside Temecula city limits at this price point.
- RA zoning — horses, livestock, a barn, an orchard, a custom shop, a future casita. The parcel is built for building.
- Panoramic San Jacinto views — unobstructed vistas to the south and a valley floor stretching east. A view premium that holds its value whether the structure does or not.
- Corner lot with road frontage on two sides — setbacks on every edge, a future second driveway on the table, your barn or casita oriented exactly where you want it, and no neighbor ever builds across from you.
- Unrestricted freedom — no HOA dues, no architectural review board, no CC&R tripwires. Park the RV and toys with ease, raise the barn, pick the paint, plant the orchard, all on your timeline.
- Riding trail at the property line — tack up, step out, ride into endless foothill trails before breakfast.
- Room for the RV, the trailer, and the toys — what a Temecula buyer makes room for with effort, you already have here.
The turnkey vehicle that gets you onto the land — 1,512 sqft, fully remodeled, move-in ready
Think of the home as the zero-project sanctuary that makes 2.2 acres accessible on day one. Three bedrooms, two full baths, all on a single level, fully remodeled, move-in ready. No deferred-maintenance discount, no weekend demo schedule.
- Interior comforts — wood floors throughout, wood-burning fireplaces in both the den and the living room, a fully remodeled bath, a gas kitchen that's earned its stripes.
- Modern infrastructure — 2-car attached garage with direct entry, 220v laundry outlet, central heat and AC, natural gas and public water already connected, asphalt-shingle roof, permanent foundation.
- Expansion potential — setbacks allow for a future ADU, casita, or detached office whenever you're ready to grow.
- Block + masonry fencing wraps the parcel — the perimeter is already done.
The math that makes this an aspirational case study
At $735,999, a bigger share of your monthly payment buys acreage rather than a shared fence line. Using a 7% 30-year fixed as a napkin rate (excluding taxes, insurance, and mortgage insurance), estimated principal & interest lands roughly at ~$3,915/mo at 20% down, ~$4,405/mo at 10% down, or ~$4,650/mo at 5% down.
Full scenario table + loan program links (FHA, VA, Conventional, Jumbo)
Rounded scenarios to start a conversation, using a 7% 30-year fixed rate and excluding taxes, insurance, and mortgage insurance:
| Down payment | Amount financed | Est. monthly P&I |
|---|---|---|
| 5% ($36,800) | $699,199 | ~$4,650 |
| 10% ($73,600) | $662,399 | ~$4,405 |
| 20% ($147,200) | $588,799 | ~$3,915 |
Program-by-program, the same $735,999 can sit inside several envelopes. Tap the one that fits your situation:
- VA financing — eligible veterans with entitlement can target 0% down, subject to VA qualification and county loan limits.
- FHA loans — a 3.5%-down option for qualified buyers within current Riverside County FHA loan limits.
- Conventional (Fannie/Freddie) — the workhorse program for 5% to 20% down with competitive conforming pricing.
- Jumbo lending — for borrowers who land above conforming limits after down payment, often with portfolio-level flexibility.
Want a number tailored to your profile rather than a table? A Temecula loan officer can run the scenarios against today's quote sheet and spec out the right program for this parcel.
Spreadsheet brain, meet dream brain. This is where the financing you've been reading about actually buys the horse property you've been picturing.
Seen enough? Let's make it yours.
Tour the property, or start the pre-qualification in under two minutes.
Parcel facts
- APN
- 543131004
- Acreage
- 2.20 ac
Parcel data sourced from Riverside County's public ArcGIS record.
About this area
Banning's 92220 sits in the San Gorgonio Pass, the wind-machine corridor where the Inland Empire opens into the high desert, cooled by the San Jacintos on one side and the San Bernardinos on the other. Solera is the quiet foothill pocket of town, with horse trails instead of sidewalks and neighbors who still wave from the mailbox.
From 514 E Victory St you're ten minutes to Cabazon Premium Outlets, the same to Morongo Casino Resort & Spa. Palm Springs is 25 minutes east, Redlands 30 west, Big Bear Lake about 1.5 hours north up the 38.
For wine, point the car south on the 79: Temecula Valley Wine Country is roughly 60 miles and a genuinely pleasant hour's drive away, with forty-plus wineries, a historic Old Town, and the same horse-country pace you came home to. Equestrians will recognize Galway Downs at its gateway, an international three-day-event venue with vineyard-adjacent grounds that hosts the West Coast's top riders.
Urban conveniences within reach, rural air to breathe, and Saturday's tasting flight never more than a road trip.
Your future routine, at a glance
What you can reach without committing to a road trip — and what's worth one when you want to.
Your immediate backyard — daily essentials
-
Banning Bench trails
Park · 3.5 mi
Foothill trails for hiking and riding just minutes from your door.
-
Gilman Ranch Wagon Museum
Nearby · 2.4 mi
A quick local outing to Banning's own historic ranch and wagon museum.
Visit website -
Cabazon Premium Outlets
Nearby · 8.5 mi
World-class designer shopping within a 10-minute drive.
Visit website -
Banning Unified School District
School · 1.8 mi
Serving the neighborhood from elementary through high school.
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Morongo Casino Resort & Spa
Nearby · 9.8 mi
Nearby 27-story resort featuring dining, pools, and a full-service spa.
Visit website
Weekend escapes — regional adventures
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Palm Springs
Nearby · 22.0 mi
Twenty-five minutes east for desert dining, mid-century architecture, and the aerial tram up Mt. San Jacinto.
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Big Bear Lake
Park · 38.0 mi
Mountain getaway for boating in summer and snow in winter, about 1.5 hours north on the 38.
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Temecula Valley Wine Country
Winery · 45.0 mi
A genuinely pleasant scenic drive south on the 79 to 40+ wineries and a historic Old Town.
Visit website -
Galway Downs
Nearby · 45.0 mi
International three-day-event venue at the Wine Country gateway, with vineyard-adjacent grounds, hunter/jumper shows, and the natural extension of a horse-property weekend.
Visit website -
Doffo Winery
Winery · 45.0 mi
Argentine-family-owned Temecula winery with a vintage motorcycle collection and a rustic courtyard that rewards a long afternoon.
Visit website