40149 La Cota Drive
Palmdale, CA, 93550
$455,000
MLS: SR26189008
Beds
3
Baths
3
Sq Ft
1,475
Lot
7.38 ac
Year Built
1991
MLS #
SR26189008
Days on Market
69
Listed
Aug 28, 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: Jennifer Cardoza · Luxury Collective
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$4,010
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $45,500 · Loan: $409,500
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,791
- Property tax (1.25%)
- $474
- Homeowners insurance
- $300
- Mortgage insurance
- $171
- HOA dues
- $275
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 Oct 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Palmdale, CA in context
Palmdale fits buyers who want Plant 42 access, west-side foothill streets in 93551, or east-of-the-14 value. The side of town matters more than the city slogan. Anaverde and Rancho Vista share 93551 and do not share the same HOA or tax bill. Central Palmdale is 93550. East Palmdale includes 93552 and 93591. Mike Watson, Keller Williams in Palmdale, DRE #01712313, licensed since 2005, prices those pockets separately. Open the west or east hub first. If Edwards is also in the household, use the two-gate housing guide next to the Plant 42 page. 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 $15,925 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
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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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