19321 97th Street
California City, CA, 93505
$260,000
MLS: SR26066872
Beds
3
Baths
2
Sq Ft
1,732
Lot
0.23 ac
Year Built
1991
MLS #
SR26066872
Days on Market
1
Listed
Mar 27, 2026
Description
Welcome to 19321 97th Street in California City! This charming single-story home offers 3 bedrooms, 2 bathrooms, and a functional layout designed for comfortable everyday living. The living room features vaulted ceilings and a fireplace, creating an inviting central gathering space. The kitchen overlooks both the eat-in dining area and living room, and offers generous counter space plus a breakfast bar for added convenience. French doors from the dining area lead to an enclosed patio, providing a versatile space to enjoy throughout the year. Additional highlights include an indoor laundry area, attached 2-car garage, RV access, and a primary bedroom with its own private en-suite bathroom. Don't miss the opportunity to see all this home has to offer--schedule your appointment today!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Andrea Castaneda · Re/Max All-Pro
Payment estimate
$2,052
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $26,000 · Loan: $234,000
- Principal & Interest
- $1,438
- Property tax (1%)
- $217
- Homeowners insurance
- $300
- Mortgage insurance
- $98
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 California City home with as little as 3.5% down using an FHA loan — roughly $9,100 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.
USDA Rural Development — 100% Financing＋
ZIP code 93505 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in California City. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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