12945 Smith Road
Phelan, CA, 92371
$415,000
MLS: HD26221366
Beds
3
Baths
2
Sq Ft
1,568
Lot
4.16 ac
Year Built
2005
MLS #
HD26221366
Days on Market
16
Listed
Oct 14, 2026
Description
**4.16 ACRES + LARGE DETACHED 3 CAR GARAGE!** With over 4 acres of land, a spacious detached garage, and a clean, move-in ready interior, this Phelan property has plenty to offer! Built in 2005, the 3-bedroom, 2-bath home features 1,568 sq. ft. of living space with vaulted ceilings, updated flooring, and an open, inviting floor plan. The bright living room flows into a spacious kitchen featuring abundant cabinetry, a center island, and breakfast bar, creating a great space for everyday living and entertaining. The primary suite offers a generously sized bedroom, a large walk-in closet with built in storage, and the primary bathroom has dual sinks, a soaking tub, and separate shower. Outside, you'll find mature trees, established landscaping, beautiful desert and mountain views from the fully fenced yard, and a large detached 3 car garage with plenty of space for vehicles, storage, or hobbies. With room to spread out and a home that's ready to enjoy, this property is a great opportunity to make the most of High Desert living!
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: Kyle Zimbro · Coldwell Banker Home Source
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
$3,433
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,500 · Loan: $373,500
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,545
- Property tax (1.25%)
- $432
- Homeowners insurance
- $300
- Mortgage insurance
- $156
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 Phelan home with as little as 3.5% down using an FHA loan — roughly $14,525 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 Phelan, CA 92371 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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