28000 Cummings Valley Road
Tehachapi, CA, 93561
$305,000
MLS: V1-38132
Beds
3
Baths
2
Sq Ft
1,618
Lot
1.81 ac
Year Built
1998
MLS #
V1-38132
Days on Market
7
Listed
Aug 12, 2026
Description
A Diamond Waiting to Be Uncovered! Set on 1.81 acres in the desirable Fairview Ranches area of the beautiful Cummings Valley, this 1,618 SF, 3BD/2BA home offers space, versatility and plenty of potential! The split-wing floor plan features a spacious primary suite with walk-in closet, soaking tub and separate shower, plus two additional bedrooms and a full guest bath. The large kitchen features a center island and adjoining dining area, while the spacious living room offers plenty of windows to enjoy the surrounding views. An indoor laundry room and open rear patio add convenience.Outside, the possibilities continue! The fully fenced property has been set up for horses with pastures and structures and features an impressive approx. 1,500 SF shop with office, 16' and 10' doors perfect for equipment, projects, storage and more. All situated on a great corner location with beautiful Cummings Valley views.Located within the Fairview Ranches Owners Association and served by Chanac Creek Mutual Water District, with power, propane and septic. All HUD homes are sold AS-IS.
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Also listed on GAVAR · MLS# 26006304
Listed by: Christy Rabe · BHGRE Platinum Realty Group
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$2,484
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $30,500 · Loan: $274,500
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,782
- Property tax (1%)
- $254
- Homeowners insurance
- $300
- Mortgage insurance
- $114
- HOA dues
- $33
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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $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 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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Tehachapi, 93561
Also on GAVAR
Local Market Stats
See Tehachapi, CA 93561 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
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