40226 Tesoro Lane
Palmdale, CA, 93551
$785,000
MLS: 26004662
Beds
5
Baths
4
Sq Ft
3,495
Lot
0.53 ac
Year Built
1992
MLS #
26004662
Days on Market
0
Listed
Jun 15, 2026
Description
MONTERA ESTATES Beautiful Home! MARBLE ENTRY, LOFT & MEDIA ROOM No Mello Roos! Original Owners! Located on one of the best neighborhood of West Palmdale in the Rancho Vista Area! Double Door Entry with High Ceiling! Open Floor Plan with Double Staircases 5 Spacious Bedrooms , 4 Bathrooms One Bedroom and One Bathroom Downstairs. Large Living Room and Formal Dining, Large Family Room with Fireplace and Functional Kitchen with Plenty of Cabinetry! Upstairs has a Large Loft that can be converted into another room if needed. Large Master Suite with own spacious Bathroom and Walk in closets. 3 Large attached garage with plenty of spaces in front and side for additional parking . Backyard is an entertainment place for those barbecue days and parties. Enjoy the fenced swimming pool on those hot summer days. Lot size is over 23,000 square feet. The Home is close to Parks, Schools and Shopping! Live Large and beautifully!
Location
Palmdale, Los Angeles County, CA 93551
Open on Google Maps ↗Listed by: Naty Chu · Century 21 Masters
Payment estimate
$5,887
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $78,500 · Loan: $706,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,475
- Property tax (1.25%)
- $818
- Homeowners insurance
- $300
- Mortgage insurance
- $294
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 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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. 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 $27,475 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 93551 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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