20116 Neuralia Road
California City, CA, 93505
$225,000
MLS: 26002056
Beds
2
Baths
1
Sq Ft
874
Lot
0.22 ac
Year Built
1981
MLS #
26002056
Days on Market
45
Listed
Mar 11, 2026
Description
***Cozy 2 bedroom/1bath home perfect for first time home buyers or someone planning for their retirement!! Located in a quiet neighborhood with a great desert view. Two good sized bedrooms, and 1 bathroom. Newer tile floor throughout. Kitchen/dining combo with ample cabinet space. New electric stove. Brand New Furnace & A/C Unit and ducting and insulation, Newer Roof, Water heater is newer and is also electric, New electric panel, New thermostat. Dryer has hookups for gas & electric. Propane lasts a long time because 95% of the furnace uses electricity. Appliances are all electrical and house has solar so bills really low (Low solar lease payments of $93/month). 1 car garage and property has RV access. Huge backyard Block wall fence all around the property. Built-in outdoor grill. Septic is newer & just pumped. Close to Cal City Blvd, Easy access to the main road and the freeway. Come check this home now before it's gone!!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Jason Harper · Preferred Real Estate and Investments Inc.
Payment estimate
$1,816
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $22,500 · Loan: $202,500
- Principal & Interest
- $1,244
- Property tax (1%)
- $188
- Homeowners insurance
- $300
- Mortgage insurance
- $84
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 $7,875 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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