1801 Bernina Drive
Pine Mountain Club, CA, 93222
$399,000
MLS: SR25106708
Beds
3
Baths
2
Sq Ft
1,503
Lot
0.23 ac
Year Built
1985
MLS #
SR25106708
Days on Market
328
Listed
May 14, 2025
Description
One of a kind, unique mountain home with a custom cottage feel. This home sits on a large lot with lots of off street parking in front and a large yard that spreads down to the open space in back. The amazing front deck, that has trees growing through it and a swing add to the incredible secret garden feel. The custom front door adds to the overall feel of enchantment. The entry has a stone floor that is perfect for removing snowy boots and shoes.The living room has a large woodburning stove with custom built stone surround, wood floors and ceiling and is open to the dining room and kitchen. The dining room has french doors that lead out onto a private second story deck and a breakfast bar. The kitchen has wood feel counters, new appliances, kitchen sink window and attached laundry and pantry. Upstairs is the primary bedroom with large fireplace, cedar closet and another private deck. The bathroom on this level boasts a wood jetted tub. A good sized guest bedroom and sliding barn door complete this floor. This home also boasts a garage, work shop and a newer roof. Truely a must see.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Kristi Finn · Pine Mountain Properties
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $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 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 $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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