3520 Needles Highway 21
Needles, CA, 92363
$199,000
Original list price: $225,000
MLS: HD26060743
Beds
3
Baths
3
Sq Ft
1,152
Lot
—
Year Built
1970
MLS #
HD26060743
Days on Market
211
Listed
Mar 20, 2026
Description
Opportunities like this are rare—don’t miss your chance to enjoy the ultimate river lifestyle. One of the most desirable homes in Rainbo Beach Resort! This updated 3-bedroom, 2.5-bath home sits on a premium corner lot with easy access and plenty of parking. Upgrades include newer windows, cabinetry, countertops, flooring, paint, water heater, and HVAC, offering move-in-ready comfort. Enjoy outdoor living with a large covered front porch, Trex deck, and fenced backyard—perfect for relaxing or entertaining. A rare highlight is the 660+ sq ft covered, fenced, permitted garage/storage space, complete with a dedicated workshop area—ideal for all your river toys, tools, or projects. Rainbo Beach Resort offers true riverfront living with a private boat launch, boat & jet ski docks, sandy beach, on-site restaurant, and pool. With space rent under $600/month, this is an incredible opportunity to own on the river. Opportunities like this are rare—don’t miss your chance to enjoy the ultimate river lifestyle.
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Jenn Irvin · RE/MAX FREEDOM
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
$1,822
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $19,900 · Loan: $179,100
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,240
- Property tax (1.25%)
- $207
- Homeowners insurance
- $300
- Mortgage insurance
- $75
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Needles home with as little as 3.5% down using an FHA loan — roughly $6,965 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
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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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