12600 Havasu Lake Road 74
Needles, CA, 92363
$299,000
MLS: SW26072907
Beds
3
Baths
2
Sq Ft
1,568
Lot
0.13 ac
Year Built
2022
MLS #
SW26072907
Days on Market
7
Listed
Apr 5, 2026
Description
Experience the ultimate Lake Havasu lifestyle in this beautifully maintained home, ideally situated on a cul-de-sac with picturesque lake views. Just a few blocks from the California shoreline of Lake Havasu, you will enjoy convenient access to two marinas offering both short and long-term slip rentals, along with miles of nearby off-roading trails for year-round adventure. Located within the highly desirable gated community of Vista Del Lago, residents enjoy resort-style amenities including a pool, spa, clubhouse, showers, putting green, and fitness center, all with the added benefit of land ownership. This light-filled home features an oversized patio, perfect for entertaining and a spacious garage. Two sliding glass doors create seamless indoor-outdoor living, opening into a bright great room, well-appointed kitchen, and inviting den. Large windows throughout flood the space with natural light, enhancing the open and airy feel. The thoughtfully designed floor plan includes two generously sized guest bedrooms and a full guest bath, along with a comfortable primary suite complete with a private ensuite bathroom. Recent updates include new luxury vinyl flooring installed in March 2025, and stainless steel appliances are included for added value. Don’t miss this opportunity to own a slice of lake life with comfort, convenience, and community all in one! And the best part is you OWN your land, NOT on leased land!!!
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Jennifer Murphy · Coldwell Banker Assoc.Brkr-Mur
Payment estimate
$2,377
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $29,900 · Loan: $269,100
- Principal & Interest
- $1,653
- Property tax (1.25%)
- $311
- Homeowners insurance
- $300
- Mortgage insurance
- $112
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 $10,465 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
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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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