29640 S Lower Valley
Tehachapi, CA, 93561
$624,000
Original list price: $637,000
MLS: SR26217316
Beds
4
Baths
3
Sq Ft
2,280
Lot
5.05 ac
Year Built
1989
MLS #
SR26217316
Days on Market
32
Listed
Oct 6, 2026
Description
Move-In Ready Prime Equestrian Property | Over 5 Usable Acres | Single-Level Bring your horses, animals, and country lifestyle to this beautiful Bear Valley Springs ranch-style property! Situated on **over 5 usable, flat acres**, this property offers the space, privacy, and setting that make it ideal for an equestrian estate. The cleared, level land provides plenty of room for horses, livestock, gardening, RV parking, or future improvements, while peaceful valley and mountain views create a beautiful backdrop. The **single-level 4-bedroom, 3-bath home** features a bright and functional floor plan with vaulted ceilings, skylights, central heating and air, fireplaces, an attached garage, and a whole-house generator. Step outside to enjoy the open deck and peaceful surroundings, where local wildlife can often be seen right from the back porch. **Underneath the home, you'll also find unfinished basement space with potential for additional storage, workspace, or future living space.** Located near trails and Cub Lake, this property offers the perfect opportunity to enjoy the space and freedom of country living while experiencing the best of the Bear Valley Springs lifestyle. For those looking for a true equestrian property with usable land, privacy, and room to make it your own, this one is worth a look. Pictures (76)
Location
Tehachapi, Kern County, CA 93561
Open on Google Maps ↗Listed by: Lacey Rossi · SCV Country Real Estate
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
$5,044
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $62,400 · Loan: $561,600
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,804
- Property tax (1%)
- $520
- Homeowners insurance
- $300
- Mortgage insurance
- $234
- HOA dues
- $186
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 $21,840 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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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.
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