38228 Rioja Court
Palmdale, CA, 93550
$430,000
MLS: 26996199
Beds
3
Baths
3
Sq Ft
1,661
Lot
26.08 ac
Year Built
2008
MLS #
26996199
Days on Market
5
Listed
Oct 26, 2026
Description
Welcome to this newer built, two-story town home located in the desirable gated community of The Vineyards. It has 3 bedrooms, 3 bathrooms, and 1,661square feet of well-designed living space, this home combines comfort, functionality, and connivence. The kitchen features a center island, pantry, and included appliances stove, microwave, and dishwasher perfect for everyday living and entertaining. The dining area opens to a private patio through sliding glass doors, creating an easy indoor- outdoor flow. The laundry room is conveniently located downstairs, while upstairs you'll find all three bedrooms along with a versatile loft area ideal for a home office, study or additional lounge space. The home also includes a 2- car attached garage. Residents of The Vineyards enjoy resort-style community amenities including a gated entrance, volleyball court, half basketball court, two playgrounds, BBQ areas, gazebo with grassy gathering space, guest parking, and professionally maintained landscaping throughout. Located near downtown Palmdale with easy access to shopping, dining, schools, and everyday conveniences.
Location
Palmdale, Los Angeles County, CA 93550
Open on Google Maps ↗Listed by: Charles Grimes Jr · Belmar Estates Realtors
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
$3,782
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $43,000 · Loan: $387,000
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,637
- Property tax (1.25%)
- $448
- Homeowners insurance
- $300
- Mortgage insurance
- $161
- HOA dues
- $235
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 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Palmdale, CA in context
Palmdale fits buyers who want Plant 42 access, west-side foothill streets in 93551, or east-of-the-14 value. The side of town matters more than the city slogan. Anaverde and Rancho Vista share 93551 and do not share the same HOA or tax bill. Central Palmdale is 93550. East Palmdale includes 93552 and 93591. Mike Watson, Keller Williams in Palmdale, DRE #01712313, licensed since 2005, prices those pockets separately. Open the west or east hub first. If Edwards is also in the household, use the two-gate housing guide next to the Plant 42 page. If you are evaluating homes in Palmdale, Mike Watson lives and works the Palmdale 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 Palmdale home with as little as 3.5% down using an FHA loan — roughly $15,050 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
See Palmdale, CA 93550 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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