40030 E 176th Street
Palmdale, CA, 93591
$399,999
MLS: 26003064
Beds
3
Baths
2
Sq Ft
1,384
Lot
0.54 ac
Year Built
1989
MLS #
26003064
Days on Market
8
Listed
Apr 17, 2026
Description
Welcome to this charming single-story home set on an expansive 23,000+ sq ft lot in the peaceful community of Lake Los Angeles, where space, privacy, and opportunity come together. Offering 3 bedrooms and 2 bathrooms across 1,348 sq ft, this property is ideal for buyers seeking room to grow and make a home their own. Inside, you'll find a comfortable and functional layout featuring a spacious living area with a cozy fireplace and a natural flow into the kitchen and dining space, perfect for everyday living and casual gatherings. All bedrooms are well-sized, and the single-story design adds ease and convenience. One of the standout features is the owned solar system, providing energy efficiency and long-term savings. The attached 2-car garage and extended driveway offer plenty of parking and storage. Outside, the large, usable lot opens the door to a wide range of possibilities, including space for RV access, outdoor enjoyment, or future improvements (buyer to verify), all while enjoying the open feel and privacy of the surrounding area. Set in a quiet rural setting, this home offers a rare combination of land, value, and potential. Don't miss the opportunity to own a single-story home with space and solar in Lake Los Angeles.
Location
Palmdale, Los Angeles County, CA 93591
Open on Google Maps ↗Listed by: Jason Cook · Coldwell Banker Residential
Payment estimate
$3,079
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,000 · Loan: $359,999
- Principal & Interest
- $2,212
- Property tax (1.25%)
- $417
- 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 Palmdale home with as little as 3.5% down using an FHA loan — roughly $14,000 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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