12600 Havasu Lake Road 46
Needles, CA, 92363
$380,000
MLS: OC26033295
Beds
3
Baths
2
Sq Ft
1,568
Lot
0.13 ac
Year Built
2022
MLS #
OC26033295
Days on Market
1
Listed
Feb 13, 2026
Description
Looking to live the ultimate Lake Lifestyle, don't miss this home with lake views! Located a few short blocks from the California shoreline of Lake Havasu with 2 marinas that allow short-term and long-term slip rentals, plus miles of off-roading trails. Located in the gated community of Vista Del Lago which offers a community pool, spa, clubhouse, showers, putting green and workout room, not to mention you OWN YOUR LAND. This home has central A/C, inside laundry, a large carport, covered patio that has access through two sliders leading you into the gorgeous kitchen and den, luxury laminate flooring, amazing light that comes through the many large windows, 2 generously sized bedrooms and a main bedroom with an ensuite bathroom. The stainless steal appliances are included!
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Nicole Palanjian · Luxe Real Estate
Payment estimate
$2,940
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $38,000 · Loan: $342,000
- Principal & Interest
- $2,101
- Property tax (1.25%)
- $396
- Homeowners insurance
- $300
- Mortgage insurance
- $143
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 $13,300 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.
Local Market Stats
See Needles, CA 92363 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
Only large teams outsell Mike Watson · Keller Williams Realty
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