26820 Stirrup
Tehachapi, CA, 93561
$470,000
MLS: PI26065823
Beds
3
Baths
2
Sq Ft
1,846
Lot
1.00 ac
Year Built
2008
MLS #
PI26065823
Days on Market
15
Listed
Mar 27, 2026
Description
Tucked away on over 1.5 acres, this property offers a rare combination of privacy, natural beauty, and convenience just minutes from the valley floor. Surrounded by mature trees and striking rock outcroppings, the setting is peaceful, secluded, and truly one of a kind. The usable acreage is almost completely fenced and cross fenced, providing flexibility for a variety of uses. The back patio provides the perfect space to relax and take in the quiet surroundings. The home offers over 1,800 square feet and features an open concept layout with three bedrooms, two bathrooms, and a versatile bonus room that can easily serve as an office, additional living space, or fourth bedroom. An efficient pellet stove adds warmth and comfort for the colder months, creating a cozy and inviting atmosphere. If you have been looking for space, tranquility, and a property that feels removed from it all while still being close to town, this is one you will not want to miss.
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Listed by: Heather Silva · Watson Realty
Payment estimate
$3,467
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $47,000 · Loan: $423,000
- Principal & Interest
- $2,599
- Property tax (1%)
- $392
- Homeowners insurance
- $300
- Mortgage insurance
- $176
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 $16,450 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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