40531 176th E
Lancaster, CA, 93535
$490,000
Original list price: $540,000
MLS: SR25279094
Beds
3
Baths
2
Sq Ft
1,346
Lot
0.68 ac
Year Built
1985
MLS #
SR25279094
Days on Market
175
Listed
Dec 20, 2025
Description
Well-maintained 3BR/2BA single-story home on a spacious 29,000+ sq ft lot in Lake Los Angeles. This 1985 ranch offers a functional floor plan with a spacious kitchen, tile flooring, and ample natural light throughout. Features include an attached 2-car garage, large front and backyard areas, and plenty of room for horses, vehicles, or additional structures. Located near local amenities including the market, library, and elementary school. Ideal for buyers seeking rural living with convenient access to community services.
Location
Lancaster, Los Angeles County, CA 93535
Open on Google Maps ↗Listed by: Julie Melgar · Re/Max Luxe
Payment estimate
$3,787
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,000 · Loan: $441,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,793
- Property tax (1.25%)
- $510
- Homeowners insurance
- $300
- Mortgage insurance
- $184
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
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 Lancaster, 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 Lancaster home with as little as 3.5% down using an FHA loan — roughly $17,150 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 Lancaster, CA 93535 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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