40149 La Cota Drive
Palmdale, CA, 93550
$470,000
MLS: SR26123137
Beds
3
Baths
3
Sq Ft
1,475
Lot
7.38 ac
Year Built
1991
MLS #
SR26123137
Days on Market
0
Listed
Jun 22, 2026
Description
Welcome to this beautifully maintained and thoughtfully upgraded 3-bedroom, 2.5 bathroom home offering comfort, functionality, and pride of ownership throughout with a half bathroom for guests located on the first floor. Featuring wood flooring throughout the main living areas and tile flooring in the kitchen and bathrooms, this move-in-ready residence is packed with valuable upgrades that today’s buyers will appreciate. The remodeled primary bathroom showcases modern finishes and comes with a transferable 10-year warranty, while updated faucets, shower heads, and fixtures add a fresh touch throughout the home. Technology and security are seamlessly integrated with hardwired internet connections in every room, six wired security cameras, and a wired motion sensor security system. The versatile floor plan includes a secondary bedroom with a custom closet organizer featuring built-in shelving and drawers, while the third bedroom is equipped with a mini-split system installed in 2023, making it ideal for a home office, guest room, or flex space. Step outside to a private backyard designed for enjoyment and entertaining. Relax beneath the custom-built pergola, enjoy the grassy yard, and take advantage of the rare mature orange tree that adds both beauty and character to the property. Additional exterior improvements include block walls on both sides of the property, a newer rear wood fence, and a wrought-iron side gate, providing privacy and curb appeal. Additional highlights include a newer water heater, custom-built garage storage room, and a recently installed garage door spring. Conveniently located near schools, shopping, dining, and commuter routes, this home offers an exceptional opportunity for buyers seeking a well-cared-for property with numerous upgrades already completed. Seller is open to discussing seller financing, wraparound financing, or a subject-to style transaction for qualified buyers. Existing financing includes an attractive low-rate mortgage of approximately 2.625%, creating potential opportunities for creative financing structures. Traditional financing is welcome, but buyers seeking flexible terms are encouraged to inquire. Terms, down payment, and structure are negotiable based on the overall offer. Subject to seller approval for this kind of financing.** Don’t miss your chance to own this turnkey Palmdale home!
Location
Palmdale, Los Angeles County, CA 93550
Open on Google Maps ↗Listed by: Chris Cardoza · Luxury Collective
Payment estimate
$3,896
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $47,000 · Loan: $423,000
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,665
- Property tax (1.25%)
- $490
- Homeowners insurance
- $300
- Mortgage insurance
- $176
- HOA dues
- $265
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 18, 2026
- 30-year fixed
- 6.47%
- 15-year fixed
- 5.81%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Palmdale, CA in context
Palmdale runs the gamut from the foothill estates of West Palmdale (93551) — Rancho Vista, Anaverde, and the desirable hill-side communities — to the value-priced newer construction of East Palmdale (93552). Central Palmdale (93550) covers the original part of the city and the Civic Center, and 93591 picks up the Llano border. Active listings across all four ZIPs are below. As a local Palmdale Realtor since 2005, Mike Watson knows how Rancho Vista, Anaverde, and the east-side tracts price out and which ZIP fits your budget. If you are evaluating homes in Palmdale, Mike Watson lives and works the Palmdale 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 $16,450 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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Local Market Stats
See Palmdale, CA 93550 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
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