1408 Zermatt Drive
Pine Mountain Club, CA, 93222
$449,999
MLS: SR25263728
Beds
3
Baths
4
Sq Ft
2,263
Lot
0.24 ac
Year Built
1987
MLS #
SR25263728
Days on Market
111
Listed
Dec 10, 2025
Description
Set among the pines of Pine Mountain Club, 1408 Zermatt Drive offers a private, refined mountain retreat. Oak floors, natural light, and a wood-burning stove anchor the main living space, while the kitchen—finished with hickory cabinetry, stainless appliances, and skylights—flows effortlessly for everyday living and gathering. A main-level bedroom with its own fireplace provides a flexible primary suite. Upstairs, a second primary with en-suite bath, an additional bedroom, and a finished attic create space for guests, work, or quiet retreat. The lower level is designed as a private wellness escape—complete with a lounge, dressing area, half bath, and custom cedar sauna with bucket shower. Smart systems, upgraded HVAC with room-by-room control, dual EV chargers, water filtration, and a refinished wraparound deck elevate the home’s functionality. Set on a fully fenced, nearly quarter-acre lot, it balances privacy with usability. Pine Mountain Club amenities include a pool, spa, golf, tennis, equestrian center, clubhouse, and full-service community support with 24/7 patrol and on-site fire station.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Tanner Brown · Jennings Realty
Payment estimate
$3,426
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $45,000 · Loan: $404,999
- Principal & Interest
- $2,488
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 Pine Mountain Club home with as little as 3.5% down using an FHA loan — roughly $15,750 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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