3307 Gemstone Avenue
Rosamond, CA, 93560
$485,000
MLS: 26004646
Beds
4
Baths
3
Sq Ft
2,459
Lot
0.14 ac
Year Built
2009
MLS #
26004646
Days on Market
0
Listed
Jun 13, 2026
Description
Spacious 4-bedroom, 2.5-bath home with a smart layout. The generous living room offers plenty of space and could easily be configured to include a formal dining area. The family room features a fireplace and opens directly to the kitchen, making it the natural heart of the home. Under-stair cabinets and shelving add bonus pantry storage. Luxury vinyl flooring runs throughout. All four bedrooms are upstairs, along with a loft -- great as a home office, playroom, or extra lounge -- a full laundry room, and 2 baths. A newer water heater adds peace of mind. Out back, enjoy a covered patio with pavers, fire pit, and low-maintenance landscaping. Minutes to the freeway and an easy commute to EAFB.
Location
Rosamond, Kern County, CA 93560
Open on Google Maps ↗Listed by: Kathi Bayard · eXp Realty of Greater Los Angeles, Inc.
Payment estimate
$3,651
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $48,500 · Loan: $436,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,765
- Property tax (1%)
- $404
- Homeowners insurance
- $300
- Mortgage insurance
- $182
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 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Rosamond, CA in context
Rosamond sits just over the Kern County line, a 15-minute drive north of Lancaster. It’s the Antelope Valley’s value play — meaningfully lower entry prices than Lancaster or Palmdale, plus access to Willow Springs Raceway, Rosamond Skypark, and quick commutes into the AV. Inventory is a mix of older homes, newer production tracts, and large-lot rural acreage. If you are evaluating homes in Rosamond, Mike Watson lives and works the Rosamond 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 Rosamond home with as little as 3.5% down using an FHA loan — roughly $16,975 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 93560 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 Rosamond. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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Also on GAVAR
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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