20325 87th
California City, CA, 93505
$439,999
Original list price: $475,000
MLS: PW26042630
Beds
5
Baths
3
Sq Ft
2,918
Lot
0.23 ac
Year Built
2007
MLS #
PW26042630
Days on Market
190
Listed
Mar 5, 2026
Description
Seller is highly motivated and willing to assist with closing costs or help buy down the interest rate with the right offer. Rare opportunity to own a 5-bedroom, 3-bath Spanish-style home with a highly flexible layout and multiple private patios and balconies. Offering approximately 2,918 sq ft on a 10,000 sq ft lot, this well-maintained residence is designed for comfortable everyday living. The home features a large open kitchen with solid oak wood cabinetry and granite countertops, formal living and dining areas, and a spacious family room with fireplace. A main-level bedroom and full bathroom provide ideal flexibility for guests, multi-generational living, or a home office. Upstairs, the primary suite includes a soaking tub, walk-in closet, and private balcony, while select secondary bedrooms enjoy their own outdoor patio or balcony access. Additional highlights include central heating and cooling, tile and carpet flooring, an attached 3-car garage, and a covered backyard patio with city and mountain views. Built in 2007homes with this layout and outdoor space rarely come available.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Evelyn Cardoza · Camino Real Realtors
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$3,403
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,000 · Loan: $395,999
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,571
- Property tax (1%)
- $367
- Homeowners insurance
- $300
- Mortgage insurance
- $165
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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
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. Mike Watson works California City land and home deals across the region and can help you weigh a finished home against a raw-lot hold. 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 $15,400 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.
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