1905 Matterhorn
Pine Mountain Club, CA, 93222
$449,000
MLS: SR25281514
Beds
4
Baths
3
Sq Ft
1,860
Lot
0.22 ac
Year Built
1990
MLS #
SR25281514
Days on Market
78
Listed
Jan 16, 2026
Description
Charming Mountain Retreat in Pine Mountain Club! Welcome to this inviting and thoughtfully updated mountain home, perfectly situated on a rare flat, wooded lot backing to greenbelt offering an abundance of natural beauty and added privacy. Blending modern comfort with rustic charm, this property offers a warm, welcoming atmosphere ideal for full-time living, weekend getaways, or hosting friends and family. Step inside to a spacious living area featuring vaulted wood ceilings and durable, upgraded flooring throughout, perfect for mountain living, pets, and everyday life. Artistic Spanish tile accents and custom mosaic details add character and a unique sense of craftsmanship throughout the home. The well-appointed kitchen opens seamlessly to the dining and living areas, creating an ideal layout for entertaining. With four generous bedrooms and three bathrooms, including the bonus room. This home offers flexible living options, perfect for a guest suite, home office, studio, or playroom. The total living space is approximately 1,850 sq ft, creating the perfect size home for full time living or a great investment for Airbnb. Outside, enjoy a private backyard patio with BBQ area, an ideal setting for relaxing, entertaining, or watching kids and pets play safely on the level lot. This home is exceptionally equipped for mountain living. Located within the private Pine Mountain Club community, owners enjoy access to year-round amenities including 24/7 security, clubhouse, golf course, swimming pool, tennis and pickleball courts, equestrian center, archery range, campgrounds, and miles of scenic hiking trails, all nestled in the Los Padres National Forest. This is a rare opportunity to own a well-maintained, character-rich home in one of Southern California’s most beloved mountain communities.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Mark Bailey · SunnyHill Realty Inc
Payment estimate
$3,419
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,900 · Loan: $404,100
- Principal & Interest
- $2,483
- Property tax (1.25%)
- $468
- Homeowners insurance
- $300
- Mortgage insurance
- $168
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 $15,715 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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