3520 Needles Highway 89
Needles, CA, 92363
$299,000
MLS: JT26204522
Beds
2
Baths
1
Sq Ft
680
Lot
0.04 ac
Year Built
2025
MLS #
JT26204522
Days on Market
35
Listed
Sep 18, 2026
Description
Welcome to Rainbow Beach Resort!! Enjoy riverfront living in this brand-new home located in Rainbo Beach Resort, just 1 mile up-river from the Needles Bridge in a deep-water section of the river. This property offers beautiful views and access to great community amenities including a pool, on-site restaurant, boat launch ramp, and new docks. The home features 9’ ceilings, 8’ interior doors, quartz countertops, custom cabinets, and brand-new flooring throughout. Built with 2x6 walls for enhanced insulation, the home also includes central heating and air for year-round comfort. Relax on the covered 6’ deep front deck and enjoy the river views. The home measures 38’ x 20’ and offers additional potential with space to build a 20’ x 28’ garage. The garage could be built with a second story for a master suite with river views! A great opportunity for a vacation home, weekend getaway, or riverfront living in a resort-style community.
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Kimberli Willis · River Sisters 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
$2,572
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $29,900 · Loan: $269,100
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,849
- Property tax (1.25%)
- $311
- Homeowners insurance
- $300
- Mortgage insurance
- $112
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 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $10,465 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.
Local Market Stats
See Needles, CA 92363 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
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.