20236 Graham Street
California City, CA, 93505
$370,000
MLS: WS25255457
Beds
3
Baths
2
Sq Ft
2,204
Lot
0.21 ac
Year Built
2008
MLS #
WS25255457
Days on Market
6
Listed
Nov 6, 2025
Description
Welcome to a spacious corner-lot home built in 2008 featuring 3 bedrooms, 2 bathrooms, and approximately 2,204 sq ft of living space on a generous 9,147 sq ft lot, the lot size is reasonable and allows for RV parking. This beautifully maintained property offers an open floor plan with a large living area, a bright kitchen with an island and pantry, a comfortable primary suite with a walk-in closet, and tiled and carpeted floors throughout. The home also includes a two-car garage, RV access, and a low-maintenance front and backyard with plenty of outdoor space for entertaining or future improvements. Located in a quiet neighborhood close to local schools, shopping, and easy highway access, this property is ideal for a family home or investment opportunity. Experience the comfort and potential this California City gem has to offer!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: VICTORIA HE · UNIVERSAL ELITE REALTY
Payment estimate
$2,793
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $37,000 · Loan: $333,000
- Principal & Interest
- $2,046
- Property tax (1%)
- $308
- Homeowners insurance
- $300
- Mortgage insurance
- $139
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 $12,950 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.
Similar Homes Nearby
Active and pending listings in ZIP 93505 (California City) within ±10% of this home's price and size.
$349,900
8525 Great Circle
California City, 93505
Active1 DOM$349,999
21235 79th Street
California City, 93505
$350,000
7154 California City Boulevard
California City, 93505
$355,000
9725 Susan Avenue
California City, 93505
$360,000
9116 Fuchsia
California City, 93505
Active10 DOM$364,950
20225 Hacienda Boulevard
California City, 93505
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.