28356 Vela Way
Valencia, CA, 91354
$935,000
Original list price: $975,000
MLS: SR26105243
Beds
4
Baths
3
Sq Ft
2,506
Lot
11.09 ac
Year Built
2019
MLS #
SR26105243
Days on Market
106
Listed
May 21, 2026
Description
* potential 2.99% interest rate* Welcome to this stunningly updated detached home in the highly sought-after Avanti at West Creek community. Lower your monthly energy bills with an Owned Solar System! Spanning 2,506 square feet of beautifully maintained living space, this residence features 4 bedrooms, 3 bathrooms with a bedroom & full bath downstairs and a spacious second-floor loft. The main living area boasts upgraded wood flooring and custom lighting throughout. An open-concept layout flows seamlessly into the gourmet kitchen, which highlights modern appliances, new dishwasher, ample counter space, and a custom-built dry bar complete with a wine/beverage refrigerators, pull-out drawers, and a dedicated coffee station. Outside, enjoy a private, low-maintenance backyard retreat featuring your own private hot tub. Additional features include a 2-car attached garage with Tesla EV charger and owned solar. Residents enjoy luxury community amenities including three swimming pools and easy walking distance to local parks, sports court, award winning West Creek Academy & Rio Norte Middle School, shopping, and dining. Don’t miss the chance to make this rare find your own! ** FHA loan is potentially assumable on current balance, rate is 2.99%, 30 yr fixed with final payment set for 12/1/2050 ** there are no guarantees a buyer will qualify - must have backup agreeable financing as a plan B for an offer to be accepted ** Mello roos is estimated at $3,325.53
Location
Valencia, Los Angeles County, CA 91354
Open on Google Maps ↗Listed by: Mary Jane Spangenberg · Equity Union
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
$7,226
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $93,500 · Loan: $841,500
Average 30-yr fixed rate 6.71% as of Sep 3, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,436
- Property tax (1.25%)
- $974
- Homeowners insurance
- $300
- Mortgage insurance
- $351
- HOA dues
- $166
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 3, 2026
- 30-year fixed
- 6.71%
- 15-year fixed
- 6.04%
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 Valencia home with as little as 3.5% down using an FHA loan — roughly $32,725 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Valencia property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Valencia, CA 91354 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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