132 Rio Del Loma
Kernville, CA, 93238
$1,400,000
MLS: BB25223818
Beds
5
Baths
5
Sq Ft
3,661
Lot
2.50 ac
Year Built
1985
MLS #
BB25223818
Days on Market
174
Listed
Sep 23, 2025
Description
Nestled directly on the river with 2.5 acres just above Kernville, this elegant estate is made for entertaining. The expansive, four-level backyard features an in-ground spa, a built-in fire pit with a cozy seating area, and stone stairways leading down to the river. This two-story home offers 5 bedrooms, 3 bathrooms, and a split-wing layout. Fully upgraded with granite countertops and custom tile, the property showcases stunning 180-degree river views from its corner lot. An exceptional Airbnb opportunity!
Location
Kernville, Kern County, CA 93238
Open on Google Maps ↗Listed by: Manvel Khacheryan · REMAX OPTIMA
Payment estimate
$10,025
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $140,000 · Loan: $1,260,000
- Principal & Interest
- $7,742
- Property tax (1.25%)
- $1,458
- Homeowners insurance
- $300
- Mortgage insurance
- $525
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 Kernville home with as little as 3.5% down using an FHA loan — roughly $49,000 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.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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