20909 Ridgeway Drive
Tehachapi, CA, 93561
$359,900
MLS: 26002046
Beds
3
Baths
2
Sq Ft
2,006
Lot
0.46 ac
Year Built
1983
MLS #
26002046
Days on Market
22
Listed
Mar 11, 2026
Description
Charming 3-Bed, 2-Bath Home in West Golden Hills with Stunning Mountain Views Welcome to this super clean 3-bedroom, 2-bath home nestled in the desirable West Golden Hills neighborhood. This home offers a large, open living area perfect for gatherings and everyday comfort. While it could use some updating, the home has been well cared for and is full of potential. Enjoy beautifully landscaped yards, both front and back, providing peaceful outdoor spaces and breathtaking mountain views. Inside, you'll find tons of storage throughout and plenty of natural light that enhances the home's spacious feel. Located close to town, you'll have easy access to shopping, dining, and local amenities--while still enjoying the tranquility of this sought-after area. Don't miss the opportunity to make this West Golden Hills gem your own!
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Listed by: Naylan Bender · Landmark Real Estate Group
Payment estimate
$2,725
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $35,990 · Loan: $323,910
- Principal & Interest
- $1,990
- Property tax (1%)
- $300
- Homeowners insurance
- $300
- Mortgage insurance
- $135
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 Tehachapi home with as little as 3.5% down using an FHA loan — roughly $12,597 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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