12409 Monterey Beach
Bakersfield, CA, 93311
$699,000
MLS: SR26223986
Beds
3
Baths
2
Sq Ft
2,911
Lot
0.26 ac
Year Built
2003
MLS #
SR26223986
Days on Market
16
Listed
Oct 16, 2026
Description
Outdoor pizza oven nights, pool days & sauna sessions. The backyard is an absolute SHOWSTOPPER, featuring a sparkling pool with waterfall, low-maintenance artificial turf, and an outdoor kitchen that takes entertaining to a whole new level! We're talking a built-in grill, beverage refrigerator, ice maker, kegerator, dishwasher, double sinks, bar-top seating, and your very own built-in pizza oven! Inside, the impressive kitchen boasts gorgeous granite countertops, butcherblocks’ two dishwashers, two microwaves, and a massive walk-in pantry! The split-wing floor plan offers a spacious office, formal dining, multiple gathering spaces, and plantation shutters throughout. Ready to unwind? Escape to your own built-in SAUNA! The primary suite features an oversized walk-in closet with built-in organization, dual sinks, and separate tub and shower. Even the garage is impressive with epoxy flooring & abundant storage cabinets. Tucked away on a cul-de-sac lot & walking distance to a nearby park!
Location
Bakersfield, Kern County, CA 93311
Open on Google Maps ↗Listed by: Laurie McCarty · Coldwell Banker Preferred Realtors
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
$5,578
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $69,900 · Loan: $629,100
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,287
- Property tax (1.25%)
- $728
- Homeowners insurance
- $300
- Mortgage insurance
- $262
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 Oct 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
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 Bakersfield home with as little as 3.5% down using an FHA loan — roughly $24,465 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.
★#1 Producing Individual Realtor, Antelope Valley
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