12309 Loden
Bakersfield, CA, 93311
$1,299,000
MLS: PI26020777
Beds
4
Baths
3
Sq Ft
3,354
Lot
0.53 ac
Year Built
2021
MLS #
PI26020777
Days on Market
62
Listed
Jan 28, 2026
Description
Welcome to this exceptional opportunity at 12309 Loden Dr, a beautifully designed single-story residence offering generous living space on an oversized lot with a spacious multi-car garage and inviting outdoor living. The thoughtfully planned split-wing floor plan provides ideal privacy and functionality, perfect for both everyday living and entertaining. The kitchen serves as the heart of the home, featuring ample workspace and seamless flow into the main living areas. The expansive backyard offers endless possibilities for entertaining, relaxing, or future enhancements. Conveniently located near parks, shopping, and top local amenities, this home combines comfort, versatility, and location in one of Bakersfield's desirable neighborhoods.
Location
Bakersfield, Kern County, CA 93311
Open on Google Maps ↗Listed by: Remy Martinez-Castillo · Keller Williams Realty Bakersfield
Payment estimate
$9,323
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $129,900 · Loan: $1,169,100
- Principal & Interest
- $7,183
- Property tax (1.25%)
- $1,353
- Homeowners insurance
- $300
- Mortgage insurance
- $487
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 Bakersfield home with as little as 3.5% down using an FHA loan — roughly $45,465 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 Bakersfield, CA 93311 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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