29223 Bernardo
Valencia, CA, 91354
$1,050,000
MLS: PF26202468
Beds
4
Baths
3
Sq Ft
2,862
Lot
0.17 ac
Year Built
2004
MLS #
PF26202468
Days on Market
1
Listed
Sep 16, 2026
Description
Welcome to this stunning Tesoro del Valle home offering an open-concept floor plan, abundant natural light, and a spacious kitchen equipped with KitchenAid appliances, soft-close cabinets, a walk-in pantry, and an updated butler's pantry. The versatile first floor features a flex room (ideal as an office or bedroom), a den/bedroom, a half bath, and a gym space near the garage. Upstairs, you'll find bedrooms with built-in closet organizers, a flexible loft space, and convenient dual laundry units (upstairs and down). Designed for efficiency and modern living, the home boasts fully paid-off solar panels, a Tesla charger, a tankless water heater, dual Nest thermostats, and a smart sprinkler system. Step outside to a generous backyard with a covered patio featuring ceiling fans and electric heaters. Enjoy master HOA amenities including two pools, a clubhouse, tennis courts, a playground, a duck pond, a gym, and volleyball courts—all within walking distance to top-rated local schools.
Location
Valencia, Los Angeles County, CA 91354
Open on Google Maps ↗Listed by: Imelda Macklin · HomeSmart, Evergreen Realty
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
$8,128
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $105,000 · Loan: $945,000
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,136
- Property tax (1.25%)
- $1,094
- Homeowners insurance
- $300
- Mortgage insurance
- $394
- HOA dues
- $205
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 Valencia home with as little as 3.5% down using an FHA loan — roughly $36,750 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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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
Only large teams outsell Mike Watson · Keller Williams Realty
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