20432 Georgetown Street
California City, CA, 93505
$420,000
MLS: 26105657
Beds
4
Baths
3
Sq Ft
2,121
Lot
0.23 ac
Year Built
2026
MLS #
26105657
Days on Market
9
Listed
Nov 2, 2026
Description
NEW BUILD. PAID SOLAR. AND A TRUE SECOND LIVING SPACE. This California City home isn't your typical new construction and the difference is in the floor plan. Offering 4 bedrooms, 3 bathrooms, and approximately 2,121 sq ft, this home delivers the clean finishes, modern design, and open-concept living you expect from a new build, with one major bonus: a private IN-LAW SUITE complete with its own living room, bathroom, and kitchen. That extra space opens up some serious possibilities. Multi-generational living, extended family, long-term guests, a private workspace, or simply having a completely separate area of the home when you need it. The main residence features a bright, open layout designed for everyday living and entertaining, with a beautiful kitchen, spacious bedrooms, plenty of room to entertain. And then there's the solar PAID OFF. No lease and no additional solar payment. Just the benefit of owning a newer, energy-efficient home with solar already taken care of. New construction. Flexible living. Paid solar. Come see why this California City new build deserves to be on your list.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Jimmy Mora · Keller Williams Realty A.V.
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
$3,368
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,000 · Loan: $378,000
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,561
- Property tax (1%)
- $350
- Homeowners insurance
- $300
- Mortgage insurance
- $158
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 $14,700 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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