1601 Bernina
Pine Mountain Club, CA, 93222
$399,000
MLS: GD26185326
Beds
3
Baths
2
Sq Ft
1,440
Lot
0.25 ac
Year Built
1976
MLS #
GD26185326
Days on Market
44
Listed
Sep 1, 2026
Description
A unique opportunity to own a private retreat surrounded by beautiful nature. An oversized circular driveway provides abundant parking, complemented by an attached, extra-deep two-car garage with direct access to the lower level. Up a few steps, the main level welcomes you with an open living, dining, and kitchen area featuring cathedral ceilings, numerous windows, and abundant natural light. Step outside onto the spacious rear deck overlooking the peaceful green space—an ideal setting for outdoor dining, entertaining, or simply enjoying the surroundings. The kitchen offers ample pantry storage and an excellent opportunity to update and personalize. The bedrooms and bathrooms are conveniently located on the main level. Downstairs, a generously sized bonus room offers flexible use as a game room, home office, guest space, or additional living area. Additional features include electric wall heaters throughout and a brand-new water heater. Much of the home has already been prepared for central air conditioning, offering the next owner the opportunity to complete the installation and enjoy the added comfort. Whether enjoyed as a full-time residence or a peaceful weekend escape, this home offers privacy, versatility, and a wonderful connection to the outdoors.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Tereza Toramanyan · Coldwell Banker Hallmark
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
$3,502
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $39,900 · Loan: $359,100
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,486
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
- HOA dues
- $150
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 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Pine Mountain Club home with as little as 3.5% down using an FHA loan — roughly $13,965 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 Pine Mountain Club, CA 93222 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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