10448 Oleander Avenue
California City, CA, 93505
$299,500
MLS: 25009437
Beds
3
Baths
3
Sq Ft
1,882
Lot
0.23 ac
Year Built
2007
MLS #
25009437
Days on Market
124
Listed
Dec 23, 2025
Description
Assumable VA Loan!! 2.6% interest rate. Discover your own private retreat in this exquisite custom-built Mediterranean-style home, nestled on a quiet, street in California City's desirable southeast area. Conveniently located near Edwards Air Force north gate. Built in 2007, this 1,800+ square foot residence offers a perfect blend of elegant architectural details and modern, move-in-ready updates, all set against a breathtaking, low-maintenance desert landscape. Enjoy unparalleled peace on a fully fenced, over 10,000 sq. ft. lot with a reinforced fence and underground pavers. Soak in the serene northern views of the Tehachapi Mountains and spectacular westerly sunsets from your private oasis. Recent Exterior Updates: Peace of mind is ensured with a new front door, a security system, and a shed included for extra storage. Step into a gracious tiled foyer that flows into an open dining room, illuminated by a beautiful triple-arched window. The spacious, carpeted living room is anchored by a cozy fireplace with a distinctive raised half-circle tiled hearth and bathed in light from another south-facing triple arched window. The heart of the home is a large, fully-equipped kitchen featuring black granite countertops, black appliances, and durable tile floors. It seamlessly combines with a formal/informal dining area, perfect for entertaining. Oversized & Upgraded Garage: This is more than a garage--it's a functional multi-use space. It features an epoxy-coated floor, a new garage door opener, and an extended workshop area. It also houses the laundry and a fully plumbed, unfinished bathroom, offering incredible potential.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Cesar Jimenez · Berkshire Hathaway HomeServices Troth, REALTORS
Payment estimate
$2,318
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $29,950 · Loan: $269,550
- Principal & Interest
- $1,656
- Property tax (1%)
- $250
- Homeowners insurance
- $300
- Mortgage insurance
- $112
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this California City home with as little as 3.5% down using an FHA loan — roughly $10,483 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.
USDA Rural Development — 100% Financing＋
ZIP code 93505 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in California City. Check your household income eligibility at eligibility.sc.egov.usda.gov.
Assumable Loan — Lock In a Below-Market Rate＋
This California City property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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