1860 Ivory
Palmdale, CA, 93550
$495,000
Original list price: $520,000
MLS: OC26107011
Beds
4
Baths
3
Sq Ft
1,690
Lot
0.15 ac
Year Built
1994
MLS #
OC26107011
Days on Market
20
Listed
Aug 6, 2026
Description
Priced to move! Huge upside potential awaiting your personal touches! This highly sought-after 4-bed, 3-bath tri-level layout in Palmdale offers the perfect blend of comfort and functionality. Imagine building instant equity in a prime neighborhood. It is the perfect launchpad for a family’s future or a smart addition to an investor's portfolio. This warm, inviting 4-bedroom, 3-bathroom blank canvas delivers 1,690 square feet of incredible structural bones, an expansive 6,541 sq. ft. lot with massive backyard potential, and a commuter-friendly location with no HOA fees. Enjoy a bright kitchen, two distinct living areas, and an expansive patio deck perfect for indoor/outdoor entertaining. Complete with an indoor laundry room, new paint, and a spacious backyard, this move-in ready home is a commuter’s dream near freeways, schools, and shopping. This is a home designed to grow with you. From the moment you step into the bright entrance foyer, you will feel the warmth of a unique tri-level layout that gives everyone their own space to thrive. Whether you are a first-time homebuyer looking for the perfect place to raise a family, or an investor seeking a high-demand property that practically rents itself, this home checks every single box. The 2-car garage is ripe for an attached ADU conversion, and there is plenty of yard space for a detached secondary unit. Skip the lengthy design phase and save thousands by using the City of Palmdale Pre-Approved ADU Standard Plans for a streamlined permit process. The heart of the home features a sun-filled kitchen that bridges two separate living areas. Imagine hosting holiday dinners in the formal dining room, then winding down for cozy movie nights by the family room fireplace. The main-floor 3 bedrooms and full bath offer the ultimate setup for multi-generational living, a private home office, or a welcoming guest suite. Upstairs, the primary suite serves as a quiet, restful retreat at the end of a busy day. Outside, the large backyard and expansive patio deck are ready-made for summer BBQs, children's playtime, and weekend relaxation. Nestled in a peaceful, established neighborhood, you are just minutes away from schools like Palm Tree Elementary, Desert Willow Magnet Academy, and Palmdale High School, as well as local parks, shopping, and easy freeway access for a smooth commute. Schedule your private tour before it is gone!
Location
Palmdale, Los Angeles County, CA 93550
Open on Google Maps ↗Listed by: Anca Barbu · Coldwell Banker Realty
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
$3,861
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,500 · Loan: $445,500
Average 30-yr fixed rate 6.65% as of Aug 20, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,860
- Property tax (1.25%)
- $516
- Homeowners insurance
- $300
- Mortgage insurance
- $186
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 Aug 20, 2026
- 30-year fixed
- 6.65%
- 15-year fixed
- 5.95%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Palmdale, CA in context
Palmdale runs the gamut from the foothill estates of West Palmdale (93551) — Rancho Vista, Anaverde, and the desirable hill-side communities — to the value-priced newer construction of East Palmdale (93552). Central Palmdale (93550) covers the original part of the city and the Civic Center, and 93591 picks up the Llano border. Active listings across all four ZIPs are below. As a local Palmdale Realtor since 2005, Mike Watson knows how Rancho Vista, Anaverde, and the east-side tracts price out and which ZIP fits your budget. If you are evaluating homes in Palmdale, Mike Watson lives and works the Palmdale market every day. He pairs this listing with a free market analysis for your specific street, an honest read on the financing options that fit (FHA, VA, USDA, CalHFA, conventional, and assumable when the loan supports it), and a side-by-side compare against the rest of the active inventory in the area.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Palmdale home with as little as 3.5% down using an FHA loan — roughly $17,325 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 Palmdale, CA 93550 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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