20220 Bald Mountain
Tehachapi, CA, 93561
$589,999
MLS: SR25240820
Beds
4
Baths
5
Sq Ft
3,938
Lot
0.31 ac
Year Built
1990
MLS #
SR25240820
Days on Market
184
Listed
Oct 16, 2025
Description
Experience the serenity of lakefront living in this exceptional Golden Hills home overlooking scenic Tom Sawyer Lake. With nearly 4,000 square feet of living space, this spacious two-story retreat offers 4 bedrooms and 5 bathrooms, including two master suites—one on the main level and another downstairs—ideal for multi-generational living or guests. Step inside to an inviting open floor plan featuring a brick fireplace, wood-beam vaulted ceilings, and panoramic lake and mountain views from nearly every room. The updated kitchen showcases granite countertops, stainless steel appliances, and warm wood cabinetry, flowing seamlessly into the living and dining areas designed for entertaining and relaxation. Enjoy an easy side entrance to the backyard, perfect for hosting gatherings and taking advantage of the outdoor spaces. The lower level opens to a large covered patio and an above-ground pool, ideal for enjoying the Tehachapi sunshine. Outside, the expansive deck provides stunning sunset views over the lake and rolling hills. With its peaceful setting, abundant natural light, and versatile layout, this property perfectly combines comfort, privacy, and natural beauty—right in the heart of Golden Hills.
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Listed by: Andrie Nainggolan · Berkshire Hathaway HomeServices Associated Real Estate
Payment estimate
$4,275
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,000 · Loan: $530,999
- Principal & Interest
- $3,263
- Property tax (1%)
- $492
- Homeowners insurance
- $300
- Mortgage insurance
- $221
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 Tehachapi home with as little as 3.5% down using an FHA loan — roughly $20,650 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 93561 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 Tehachapi. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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Local Market Stats
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