20325 87th
California City, CA, 93505
$465,000
MLS: PW26042630
Beds
5
Baths
3
Sq Ft
2,918
Lot
0.23 ac
Year Built
2007
MLS #
PW26042630
Days on Market
42
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
Payment estimate
$3,433
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $46,500 · Loan: $418,500
- Principal & Interest
- $2,571
- Property tax (1%)
- $388
- Homeowners insurance
- $300
- Mortgage insurance
- $174
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 $16,275 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.
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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