20312 81st Street
California City, CA, 93505
$379,500
MLS: SR25271834
Beds
4
Baths
2
Sq Ft
2,073
Lot
0.23 ac
Year Built
2025
MLS #
SR25271834
Days on Market
117
Listed
Dec 5, 2025
Description
***BUILDER INCENTIVES NOW THRU APRIL 30, 2026 INCLUDE CLOSING COSTS, REFRIGERATOR, WASHER AND DRYER***BEAUTIFUL BRAND NEW CONSTRUCTION!!!! Gorgeous 4 + 2, 2073 sq ft Single Family Home. This home has all the high-quality features that come with a modern semi-custom home. The standards that come with this home start with but not limited to a spacious, light and bright open floor plan, on-demand water heater, luxury vinyl plank flooring, dual pane argon gas filled windows, Quartz countertops, finger pull cabinets, quality appliances, ceiling fans and upgraded fixtures throughout, smart WI-FI thermostat, indoor laundry room, insulated garage, large fully fenced backyard, covered patio, front yard finished with beautiful hardscape, RV potential, exterior stucco and so much more. With all the modern conveniences of central heating & air, solar, and fire sprinklers, this house has it all!!!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Heidi Benhamou Courtney · Scenic Hills Real Estate
Payment estimate
$2,857
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $37,950 · Loan: $341,550
- Principal & Interest
- $2,099
- Property tax (1%)
- $316
- Homeowners insurance
- $300
- Mortgage insurance
- $142
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 $13,283 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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Local Market Stats
See California City, CA 93505 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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