20863 West Lake Drive
California City, CA, 93505
$305,000
MLS: 26003197
Beds
3
Baths
2
Sq Ft
1,407
Lot
0.15 ac
Year Built
2005
MLS #
26003197
Days on Market
29
Listed
Apr 21, 2026
Description
Welcome to this charming and functional residence, perfectly designed for comfortable and efficient living, This home features a highly sought-after split floor plan, strategically placing the main suite away from one of the secondary bedrooms to enhance privacy and tranquility. Upon entering, you are greeted by a good size living room that flows seamlessly into a connecting dining room, creating an open and engaging space for entertaining and daily life. The home boasts a fresh, clean feel with new carpet installed throughout the main living areas and bedrooms. Comfort is ensured year-round with a reliable central heat/air system fueled by economical natural gas service. For added convenience and energy efficiency, ceiling fans are installed in key rooms. The kitchen is both practical and well-equipped, featuring essential appliances including a stove, microwave and dishwasher. Ample storage is provided by a dedicated pantry in the kitchen, making organization effortless. The property offers excellent outdoor amenities perfect for relaxation and recreation. Enjoy the shade and comfort of covered patios at both the front and back of the home, extending your living space outdoors. The backyard is secured and private, featuring a durable block wall. Practicality is addressed with a spacious 2 car garage, providing secure parking and additional storage opportunities.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Peggy McAdams · Desert Rose Realty
Payment estimate
$2,398
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $30,500 · Loan: $274,500
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,730
- Property tax (1%)
- $254
- Homeowners insurance
- $300
- Mortgage insurance
- $114
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 Jun 18, 2026
- 30-year fixed
- 6.47%
- 15-year fixed
- 5.81%
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 $10,675 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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