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
206
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
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
$3,335
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $38,000 · Loan: $342,000
Average 30-yr fixed rate 6.71% as of Sep 3, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,209
- Property tax (1.25%)
- $396
- Homeowners insurance
- $300
- Mortgage insurance
- $143
- HOA dues
- $288
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 Sep 3, 2026
- 30-year fixed
- 6.71%
- 15-year fixed
- 6.04%
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 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.
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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
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