40020 176th Street E
Palmdale, CA, 93591
$425,000
MLS: SR26003999
Beds
4
Baths
2
Sq Ft
1,143
Lot
0.55 ac
Year Built
1978
MLS #
SR26003999
Days on Market
151
Listed
Jan 9, 2026
Description
This inviting single-story home offers four bedrooms and two bathrooms within approximately 1,143 square feet of comfortable living space, set on a spacious lot highlighted by a sparkling private pool—ideal for relaxing, entertaining, and enjoying Southern California’s outdoor lifestyle. The layout includes three bedrooms reflected on title, along with an additional bedroom added without permits, providing flexible options for guests, a home office, or extended living needs. The interior features a functional and welcoming layout, with a cozy living area that flows naturally into the kitchen and dining space—ideal for everyday living. The bedrooms are well-sized, and the two bathrooms add convenience for households of all sizes. The property has been recently updated, with fresh interior paint throughout and newly renovated showers, giving the home a refreshed and move-in-ready feel. The expansive backyard offers generous space around the pool for hosting gatherings, unwinding on warm days, or customizing the outdoor area to suit your vision. This home presents a great opportunity for buyers seeking comfort, versatility, and outdoor enjoyment.
Location
Palmdale, Los Angeles County, CA 93591
Open on Google Maps ↗Also listed on GAVAR · MLS# 26000224
Listed by: Felipe Cerros · Real Broker
Payment estimate
$3,325
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $42,500 · Loan: $382,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,423
- Property tax (1.25%)
- $443
- Homeowners insurance
- $300
- Mortgage insurance
- $159
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 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Lake Los Angeles, CA in context
Lake Los Angeles is an unincorporated east-AV community in ZIP 93535, about 20 minutes east of Palmdale. Buyers come here for the most house-per-dollar in the AV — half-acre to multi-acre lots, fewer HOAs, and a quiet semi-rural pace. Many listings include desert acreage suitable for horses, RVs, or future expansion. If you are evaluating homes in Palmdale, Mike Watson lives and works the Lake Los Angeles 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 $14,875 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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