37 Oak
Kernville, CA, 93238
$399,000
MLS: GD26047239
Beds
2
Baths
1
Sq Ft
1,148
Lot
0.32 ac
Year Built
1979
MLS #
GD26047239
Days on Market
27
Listed
Mar 5, 2026
Description
Move in ready home with breathtaking views surrounding the property! The home is welcoming, bright, and airy with view from every window. Enjoy outdoor living on the large deck with built-in BBQ, perfect for entertaining or relaxing in nature. Located minutes from the river and close to shops, restaurants, and markets. During seasonal months, a charming creek runs below the home, enhancing the peaceful setting. The home has many upgrades, including new flooring, walk in closet, pantry, and more with a cozy pellet stove for added charm. A rare opportunity to enjoy space, scenery, and convenience in the heart of Kernville.
Location
Kernville, Kern County, CA 93238
Open on Google Maps ↗Listed by: Silvia Manukian · Your Management & Real Estate
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Kernville home with as little as 3.5% down using an FHA loan — roughly $13,965 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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