21864 S Garibaldi Drive
California City, CA, 93505
$235,000
MLS: 26004809
Beds
3
Baths
2
Sq Ft
1,597
Lot
0.21 ac
Year Built
1990
MLS #
26004809
Days on Market
5
Listed
Jun 19, 2026
Description
Large home and a large lot. Open to the desert with great views. Living room-office, open floor plan with family room, kitchen, in kitchen dining area. Primary bedroom with full bath. Needs work inside and out, but has potential for a great home. Great views. Close to golf and park. Easy commute to mines and base. This home is being sold AS IS.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Renee Rivera · Desert Rose Realty
Payment estimate
$1,917
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $23,500 · Loan: $211,500
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,333
- Property tax (1%)
- $196
- Homeowners insurance
- $300
- Mortgage insurance
- $88
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 $8,225 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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