20312 Graham Street
California City, CA, 93505
(No pictures available yet)
$310,000
MLS: SR26087992
Beds
3
Baths
2
Sq Ft
1,514
Lot
0.23 ac
Year Built
1990
MLS #
SR26087992
Days on Market
8
Listed
Apr 23, 2026
Description
Welcome to this immaculate 3 bedroom, 2 bath home with PAID FOR SOLAR (AND BATTERY BACKUP STORAGE). The kitchen has granite counters, a garden window, plenty of cabinets and a walk-in pantry. The home features a double sided fireplace, tile floors, and large bedrooms with spacious closets, The roof is less than two years old and it is located on a corner lot in an area of well-maintained properties. The inside of the home has just been recently repainted. Also all appliances are included.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Martha Jones · Coldwell Banker Hartwig
Payment estimate
$2,412
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $31,000 · Loan: $279,000
- Principal & Interest
- $1,738
- Property tax (1%)
- $258
- Homeowners insurance
- $300
- Mortgage insurance
- $116
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 May 14, 2026
- 30-year fixed
- 6.36%
- 15-year fixed
- 5.71%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
California City, CA in context
California City is the third-largest city in California by land area but one of the smallest by population — which is exactly what makes it interesting. Entry prices are the lowest in the region, land is plentiful and cheap, and many investors buy both finished homes and raw lots here. The Galileo Hill / Central Park area is the most established residential pocket; everything north of there is wide-open desert. If you’re hunting for value or a long-hold land play, this is the AV’s best opportunity zone. If you are evaluating homes in California City, Mike Watson lives and works the California City market every day. He pairs this listing with a free market analysis for your specific street, an honest read on the financing options that fit (FHA, VA, USDA, CalHFA, conventional, and assumable when the loan supports it), and a side-by-side compare against the rest of the active inventory in the area.
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 $10,850 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
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