40054 Ridgemist Street
Palmdale, CA, 93591
$413,900
Original list price: $424,900
MLS: SR26004488
Beds
4
Baths
2
Sq Ft
1,343
Lot
0.51 ac
Year Built
1978
MLS #
SR26004488
Days on Market
136
Listed
Jan 7, 2026
Description
***Upgraded Lake LA RV Ranch Home!*** All NEW Appliances - NEW Kitchen Cabinetry With Crown Molding - New Quartzite Countertops - NEW Wood Laminate Flooring Throughout - New Window Coverings - New AC And Ducting!! Or Choose To Use Central Evaporative Cooler - New Furnace - New Paint Throughout -New Water Heater - New Vanities In Bathrooms - New Lighting - Cozy Wood Burning Fireplace In Family Room - All This And More Placed Nicely Between The Buttes!! Stargazers' Delight! Act Quickly While Still Available!
Location
Palmdale, Los Angeles County, CA 93591
Open on Google Maps ↗Also listed on GAVAR · MLS# 26000144
Listed by: Stephen Becker · Steve Becker, Broker
Payment estimate
$3,236
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,390 · Loan: $372,510
- Principal & Interest
- $2,350
- Property tax (1.25%)
- $431
- Homeowners insurance
- $300
- Mortgage insurance
- $155
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
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 $14,487 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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Also on GAVAR
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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