10164 White
Phelan, CA, 92371
$435,000
Original list price: $449,900
MLS: IV26118488
Beds
4
Baths
2
Sq Ft
1,848
Lot
4.75 ac
Year Built
1986
MLS #
IV26118488
Days on Market
40
Listed
Jun 3, 2026
Description
Welcome to this horse property on nearly 5 flat acres! Discover the possibilities at this 4-bedroom, 2-bath manufactured home on land that you OWN situated on almost 5 acres of useable land near local schools. Featuring new carpet throughout, a spacious detached 2-car garage, storage shed, and a recently installed permanent foundation. The fully equipped equestrian arena includes stadium lighting, power, and water, perfect for training, events, or your dream ranch setup.With plenty of room for horses, animals, equipment, RVs, or future improvements, this property offers the space and freedom to create the lifestyle you've been looking for. Whether you're seeking country living, an equestrian retreat, or an investment opportunity, the possibilities are endless.
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: SORAIDA REYES · THE KASA AGENCY INC.
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$3,411
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $43,500 · Loan: $391,500
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,495
- Property tax (1.25%)
- $453
- Homeowners insurance
- $300
- Mortgage insurance
- $163
Login required. The full tool supports FHA / VA / USDA, PMI by credit tier, lender fees, and total cash to close — with your inputs here carried over.
Today's Rates
As of Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Phelan home with as little as 3.5% down using an FHA loan — roughly $15,225 down. FHA loans feature flexible credit guidelines and government-backed rates, making homeownership accessible for buyers who haven't saved a large down payment. Seller concessions up to 6% of the purchase price are also allowed.
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Local Market Stats
See Phelan, CA 92371 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
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