20636 90th Street
California City, CA, 93505
$314,500
MLS: 26008128
Beds
4
Baths
2
Sq Ft
1,549
Lot
0.25 ac
Year Built
2006
MLS #
26008128
Days on Market
7
Listed
Oct 23, 2026
Description
If you're looking for a home with a little character in California City, this Mediterranean gem is the one for you! Updated throughout, it's located on a quiet street with a beautiful shade tree, and other established landscaping. This newly renovated 4-bedroom, 2-bath home shows like new, featuring a spilt-floor plan that complements a larger family or transitioning multi-generational needs. Newly painted on the inside and out, the home is light and bright, with newly installed black accent fans, door hardware and cabinet pulls, with matching lighting and plumbing fixtures throughout. Just a few blocks from the local elementary school, with other schools just minutes away, this home combines architectural distinction with comfort and practicality. With a fully fenced ¼ acre lot & RV Access/Parking, there's plenty of room outside for storage, hobbies and pets. This is a wonderful opportunity to make this completely transformed 4-bedroom home yours... for the cost of other similarly priced 3-bedrooms in the area. Compared with other 4 bedrooms homes at this price- point, you won't find a better value in California City!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Leland Krelle · West Coast Realty
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
$2,609
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $31,450 · Loan: $283,050
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,929
- Property tax (1%)
- $262
- Homeowners insurance
- $300
- Mortgage insurance
- $118
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 Oct 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
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 $11,008 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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