39646 174th Street E
Palmdale, CA, 93591
$463,800
MLS: HD25275064
Beds
3
Baths
2
Sq Ft
1,402
Lot
1.08 ac
Year Built
1989
MLS #
HD25275064
Days on Market
129
Listed
Dec 12, 2025
Description
Welcome to this beautifully updated home located in a quiet neighborhood. Spacious living room with plenty of natural light coming in. Electric fireplace for those cold, winter nights. Kitchen features modern appliances, quartz countertops, and a spacious island with storage cabinets. New epoxy flooring. The landscaped front and backyard offers privacy bushes, artificial turf, two gazebos, desert scape, and multiple fruit trees (peach, pomegranate, cherry, pears, plum, apricot, and grapes). Sale of this home includes the adjacent parcel so you have over an acre of land. Corrugated metal fence for privacy. There are two sliding doors wide enough to fit your toys. With 360-degree mountain views, gorgeous sunsets, and access to hiking just steps from your backyard, this home is a true desert gem. Conveniently located near local attractions and recreational destinations. THIS HOME IS ALSO ELIGIBLE FOR 3% DOWN NO PMI PROGRAM.
Location
Palmdale, Los Angeles County, CA 93591
Open on Google Maps ↗Listed by: Karen Balderrama · Coldwell Banker Home Source
Payment estimate
$3,522
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $46,380 · Loan: $417,420
- Principal & Interest
- $2,565
- Property tax (1.25%)
- $483
- Homeowners insurance
- $300
- Mortgage insurance
- $174
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 Palmdale home with as little as 3.5% down using an FHA loan — roughly $16,233 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.
USDA Rural Development — 100% Financing＋
ZIP code 93591 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in Palmdale. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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Local Market Stats
See Palmdale, CA 93591 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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