40148 La Cota Drive
Palmdale, CA, 93550
$415,000
MLS: P1-26330
Beds
3
Baths
3
Sq Ft
1,475
Lot
—
Year Built
1990
MLS #
P1-26330
Days on Market
30
Listed
Mar 19, 2026
Description
Charming 3-bedroom, 2.5-bath detached condo in a great Palmdale location. Situated on a quiet street, this two-story home offers privacy with no shared walls and access to a well-maintained community pool. Inside, enjoy a cozy living room with a fireplace, a dining area, and a bright kitchen with beautifully finished cabinets, countertops, and appliances. New vinyl flooring adds a modern feel throughout. A half bath is downstairs, while all bedrooms and full baths are upstairs, including a primary suite with a walk-in closet and dual sinks.The home also features a spacious backyard with a covered patio, an attached two-car garage, and driveway parking. Conveniently located near schools, shopping, dining, and major commuter routes.
Location
Palmdale, Los Angeles County, CA 93550
Open on Google Maps ↗Listed by: Rudi Masbrata · HomeSmart, Evergreen Realty
Payment estimate
$3,183
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,500 · Loan: $373,500
- Principal & Interest
- $2,295
- Property tax (1.25%)
- $432
- Homeowners insurance
- $300
- Mortgage insurance
- $156
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 $14,525 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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