38651 28th Street E
Palmdale, CA, 93550
$390,000
Original list price: $450,000
MLS: SR26003254
Beds
4
Baths
2
Sq Ft
1,564
Lot
0.15 ac
Year Built
1987
MLS #
SR26003254
Days on Market
34
Listed
Jan 8, 2026
Description
Welcome to 38651 28th Street East, Palmdale, CA 93550, a charming and well-maintained single-story home offering comfort, functionality, and great outdoor space. This 4-bedroom, 2-bath residence spans 1,564 sq ft and is thoughtfully designed for everyday living. The home features a spacious layout with ample natural light, making it ideal for families, first-time buyers, or those looking to downsize without sacrificing space. Enjoy the convenience of an attached 2-car garage and the added benefit of solar panels, helping reduce energy costs. Outside a private front and backyard, perfect for entertaining, gardening, or creating your own outdoor retreat. Located in a well-established Palmdale neighborhood with easy access to schools, shopping, dining, and major commuter routes, this property offers both comfort and convenience.
Location
Palmdale, Los Angeles County, CA 93550
Open on Google Maps ↗Listed by: Manny Morales · JohnHart Real Estate
Payment estimate
$3,066
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,000 · Loan: $351,000
- Principal & Interest
- $2,214
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 Jun 4, 2026
- 30-year fixed
- 6.48%
- 15-year fixed
- 5.79%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Palmdale, CA in context
Palmdale runs the gamut from the foothill estates of West Palmdale (93551) — Rancho Vista, Anaverde, and the desirable hill-side communities — to the value-priced newer construction of East Palmdale (93552). Central Palmdale (93550) covers the original part of the city and the Civic Center, and 93591 picks up the Llano border. Active listings across all four ZIPs are below. 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 $13,650 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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