109 Oak Place
Tehachapi, CA, 93561
$565,000
MLS: 26001976
Beds
4
Baths
3
Sq Ft
2,812
Lot
0.17 ac
Year Built
2005
MLS #
26001976
Days on Market
48
Listed
Mar 8, 2026
Description
This two story tract home is conveniently located in Tehachapi City and is only minutes away from the local schools. Step in from the welcoming covered front porch to over 2,800 square feet of well appointed living space, a spacious family room, dining room with a stone surround fireplace and gorgeous custom kitchen with a two toned island, stainless steel appliances, stone countertops, a bonus rinsing sink, a built in desk area or wine/coffee bar and a large walk-in pantry. There is a half bath conveniently located downstairs for guests. Upstairs you will find a loft, 4 spacious bedrooms, 2 full bathrooms, one of which is the master suite and custom tiled ensuite. Additional features include high ceilings, updated flooring downstairs, LED lighting, surround sound in the dining area, neutral colors throughout and a Tesla charger in the attached 2 car garage. The exterior is a fantastic space with a fully landscaped front and backyard, a play area for the kids, and a fire pit.
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Listed by: Lorena Semerenko · RE/MAX All-Pro
Payment estimate
$4,107
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $56,500 · Loan: $508,500
- Principal & Interest
- $3,124
- Property tax (1%)
- $471
- Homeowners insurance
- $300
- Mortgage insurance
- $212
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 Tehachapi home with as little as 3.5% down using an FHA loan — roughly $19,775 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 93561 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 Tehachapi. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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