20601 Ridgecrest Drive
Tehachapi, CA, 93561
$348,000
MLS: 26003505
Beds
3
Baths
2
Sq Ft
1,037
Lot
0.29 ac
Year Built
1995
MLS #
26003505
Days on Market
0
Listed
May 1, 2026
Description
Where Simplicity Shines! Tucked at the end of a quiet cul-de-sac with beautiful mountain views, this Golden Hills West charmer has thoughtful updates and timeless appeal. Offering 3BD/2BA and 1,037 sqft, it's ideal for easy living whether you're just starting out or ready to right-size. Inside, the open layout connects the kitchen, dining, and living spaces, highlighted by a cozy oak mantle fireplace and direct access to the backyard. Recent improvements include new bathroom vanities and a refreshed kitchen featuring updated countertops, sink, and faucet. Outside, the backyard offers a blank canvas to create your own retreat, all while enjoying the surrounding views. Sweet, simple, and full of possibility. This cute, comfortable and move-in ready property is not just a house, it's your home !
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Listed by: Christy Rabe · BHGRE Platinum Realty Group
Payment estimate
$2,659
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $34,800 · Loan: $313,200
- Principal & Interest
- $1,939
- Property tax (1%)
- $290
- Homeowners insurance
- $300
- Mortgage insurance
- $131
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 30, 2026
- 30-year fixed
- 6.30%
- 15-year fixed
- 5.64%
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 Tehachapi home with as little as 3.5% down using an FHA loan — roughly $12,180 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 93561 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 Tehachapi. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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