2233 Bernina
Pine Mountain Club, CA, 93222
$459,000
MLS: SR25256775
Beds
3
Baths
3
Sq Ft
2,090
Lot
0.24 ac
Year Built
1982
MLS #
SR25256775
Days on Market
73
Listed
Nov 8, 2025
Description
Discover true four-season mountain living in this charming 3-bedroom, 1/1.75/1.5 bathroom home, located in the Pine Mountain Club community surrounded by the majestic views of the Los Padres National Forest. The entry level features an open-concept kitchen, living and dining space along with a wood burning fireplace for added cozy ambiance and warmth. The sky lights and large windows showcase the beauty of the local nature and sunlight. On this level there are 2 bedrooms, 1 full and 1 half bathroom. Wrought iron banisters lead down to the lower level of the home where you will find an additional living area, perfect for lounging and entertaining, along with the primary bedroom with its own private access to an outdoor deck, a 3/4 bathroom, and a dedicated laundry area. The fenced back yard is shaded by mature pine and oak trees and backs to green space for added privacy. In addition to the 2-car garage, there is a long driveway on the east side of the property providing ample parking space. There are two separate storage areas both beneath and on the back side of the home. Come enjoy a resort-like lifestyle with the many amenities of our community & village center, which includes a clubhouse, golf course, 24-hour patrol service, seasonal pool, tennis courts, equestrian center, hiking, biking, catch-and-release fishing, Kern Fire Department, grocery store, shops/boutiques and restaurants. And don't forget snow activities on those magical winter days. Feel free to come on up, drive by, and take a look at what mountain living has to offer.
Location
Pine Mountain Club, Kern County, CA 93222
Open on Google Maps ↗Listed by: Lizette Templeton · Jennings Realty
Payment estimate
$3,488
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $45,900 · Loan: $413,100
- Principal & Interest
- $2,538
- Property tax (1.25%)
- $478
- Homeowners insurance
- $300
- Mortgage insurance
- $172
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 Pine Mountain Club home with as little as 3.5% down using an FHA loan — roughly $16,065 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.
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