12380 Emery Drive
Needles, CA, 92363
$295,000
MLS: OC25259641
Beds
3
Baths
2
Sq Ft
1,320
Lot
0.17 ac
Year Built
1979
MLS #
OC25259641
Days on Market
127
Listed
Nov 13, 2025
Description
Experience relaxed desert living with incredible lake and city lights views from this beautifully upgraded 3-bedroom, 2-bath home in Havasu Lake. Enjoy stunning panoramas from the living room, dining area, and expansive deck—perfect for entertaining or simply taking in the sunsets over Lake Havasu. Step inside to find a bright, open layout with tasteful upgrades throughout. The home comes fully furnished, making it truly move-in ready. Comfort is assured year-round with central A/C and heating plus a swamp cooler for those warm desert days. Outdoor living is a dream here—the massive wraparound deck extends your living space and captures the views that make Havasu Lake so special. The 32-foot garage with oversized door offers ample room for boats, vehicles, and desert toys. Best of all, you own the land—no land lease! Whether you’re looking for a full-time residence, vacation retreat, or investment property, this home combines style, comfort, and value in one incredible package. Enjoy boating on the lake, a brand new casino down the street, and off-roading on the endless trails right outside your doorstep.
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Thomas Bender · Thomas Bender, Broker
Payment estimate
$2,349
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $29,500 · Loan: $265,500
- Principal & Interest
- $1,631
- Property tax (1.25%)
- $307
- Homeowners insurance
- $300
- Mortgage insurance
- $111
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 Needles home with as little as 3.5% down using an FHA loan — roughly $10,325 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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