3632 Cambria
Phelan, CA, 92371
$565,000
Original list price: $585,000
MLS: HD26128424
Beds
4
Baths
3
Sq Ft
2,460
Lot
0.75 ac
Year Built
2005
MLS #
HD26128424
Days on Market
48
Listed
Jun 12, 2026
Description
This home can be yours with a 2.25% VA Assumable Rate!!! From the moment you arrive, the pride of ownership is undeniable. Move-in ready and meticulously maintained, this property checks every box. Bring all your toys — RV access, generous parking, an 8x12 storage shed, and a 3-car garage complete with epoxy floors and a built-in workbench make storage a non-issue. Sitting just 200 feet off pavement and only two blocks from shopping and the highly sought-after Snowline School District, convenience is built right in. Commuters will love the direct Hwy 138 access — you're just 10 minutes to the Cajon Pass. And those mountain views and sunsets? Absolutely unmatched. Inside, the kitchen impresses with stainless steel appliances, granite countertops, new flooring and a walk-in pantry that will have you rethinking your grocery haul. All three bathrooms have been thoughtfully updated with designer tile showers and upgraded lighting — every inch intentional. The open-concept living space flows beautifully around a cozy wood-burning stove, perfect for those crisp high-desert evenings. Down the hall you'll find three well-sized bedrooms, including a junior suite with its own 4-piece bath and private exterior access — ideal for multigenerational living or guests. A bonus room rounds things out, ready to serve as a home office, gym, or 5th bedroom. The primary suite is a true retreat — oversized and set apart by a stunning custom barn door. Inside: dual vanity, soaking tub, separate shower, and walk-in closet. New water softener installed ** Fresh interior paint throughout ties it all together. Homes like this don't come around often in Phelan — especially on a cul-de-sac.
Location
Phelan, San Bernardino County, CA 92371
Open on Google Maps ↗Listed by: Tiffany La Cella · Realty ONE Group Empire
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
$4,341
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $56,500 · Loan: $508,500
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,241
- Property tax (1.25%)
- $589
- Homeowners insurance
- $300
- Mortgage insurance
- $212
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 Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
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 Phelan home with as little as 3.5% down using an FHA loan — roughly $19,775 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Phelan property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Phelan, CA 92371 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
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