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
4
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
$2,355
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $30,500 · Loan: $274,500
- Principal & Interest
- $1,687
- 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 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 $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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