31312 Indian Oak
Acton, CA, 93510
$1,068,000
MLS: SR26140865
Beds
4
Baths
3
Sq Ft
2,175
Lot
1.83 ac
Year Built
1980
MLS #
SR26140865
Days on Market
1
Listed
Jun 28, 2026
Description
Bring your cars, animals, or both to this private, quiet retreat in Acton nestled in the Sierra Pelona Mountains near the iconic Vasquez Rocks in Los Angeles County! Spanning 2,175 square feet, this beautifully updated 4-bedroom, 3-bathroom home features four distinct living areas, a bright kitchen, and an attached 3-car garage. Extensive recent upgrades offer ultimate peace of mind, including a new HVAC system, all-new windows and sliding doors, fresh exterior paint, updated plumbing fixtures, a new septic system with risers, and gorgeous new wood floors accented by custom closet barn doors. The property truly shines outdoors across 1.8+ acres designed for peak function and beauty. Highlights include a detached "barn" outbuilding that provides 4 additional spaces for vehicles or livestock, complete with stairs to a storage loft. Relax under the beautiful pergola located just outside the back door, or utilize the six-foot fencing that creates secure, separate gated areas. Enjoy low-maintenance country living with mature trees, xeriscape vegetation, decorative rock and sand elements, and a brick pathway. There is truly room for everything!
Location
Acton, Los Angeles County, CA 93510
Open on Google Maps ↗Listed by: Kathleen O'Mara · Lucy Nixon Realty
Payment estimate
$7,882
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $106,800 · Loan: $961,200
Average 30-yr fixed rate 6.49% as of Jun 25, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,069
- Property tax (1.25%)
- $1,113
- Homeowners insurance
- $300
- Mortgage insurance
- $401
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 Jun 25, 2026
- 30-year fixed
- 6.49%
- 15-year fixed
- 5.84%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Acton, CA in context
Acton is a rural high-desert community in the foothills between Santa Clarita and the Antelope Valley, straddling the 14 freeway about 20 minutes south of Palmdale. It’s the AV area’s equestrian heart: most listings sit on a half-acre to several acres, zoned for horses, with the kind of dark-sky quiet you can’t find in town. Buyers come for the land, the privacy, and the easy commute toward both the Santa Clarita Valley and greater LA, with Vasquez Rocks and the Aliso Canyon trails right in the backyard. Mike Watson is an Acton-area Realtor who understands horse-property zoning, well-and-septic, and acreage valuation, the details that matter most on a rural buy. If you are evaluating homes in Acton, Mike Watson lives and works the Acton market every day. He pairs this listing with a free market analysis for your specific street, an honest read on the financing options that fit (FHA, VA, USDA, CalHFA, conventional, and assumable when the loan supports it), and a side-by-side compare against the rest of the active inventory in the area.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Acton home with as little as 3.5% down using an FHA loan — roughly $37,380 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 93510 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 Acton. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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Local Market Stats
See Acton, CA 93510 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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