12823 Atsina Rd.
Phelan, CA, 92371
$389,900
MLS: SW25281124
Beds
4
Baths
2
Sq Ft
1,738
Lot
0.93 ac
Year Built
2025
MLS #
SW25281124
Days on Market
96
Listed
Dec 28, 2025
Description
Brand New Construction 2025 manufactured home on a permanent foundation, situated on a 1-acre lot in Phelan. This 4-bedroom, 2-bath split floor plan offers 9-foot flat ceilings, quartz countertops throughout, and a kitchen with stainless steel appliances. Conveniently located with easy access to I-15, Hwy 395, Hwy 138, and Hwy 18 (Palmdale Rd), making commuting simple.
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: Austin Smith · eXp Realty of Southern California, Inc.
Payment estimate
$3,008
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $38,990 · Loan: $350,910
- Principal & Interest
- $2,156
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 Phelan home with as little as 3.5% down using an FHA loan — roughly $13,647 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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