40723 Vista Calma
Palmdale, CA, 93551
$899,000
Original list price: $999,999
MLS: SR26172969
Beds
4
Baths
3
Sq Ft
2,429
Lot
0.58 ac
Year Built
1997
MLS #
SR26172969
Days on Market
47
Listed
Sep 11, 2026
Description
*** BUYER OPPORTUNITY!!! ASSUMABLE 3.25% FHA LOAN!!! Approximately $695,000 remaining balance may be assumable by a qualified buyer, subject to lender approval and eligibility. Take advantage of an existing 3.25% mortgage rate rather than financing the full purchase price at today’s market rates. Buyer to independently verify loan balance, terms, eligibility, fees and assumption process. Welcome to 40723 Vista Calma — a Rare Opportunity to own in Quartz Hill's Highly Desirable Gated Community known as "The Premier Oasis of the Antelope Valley!" Belle Vista offers luxury, privacy, oversized lots, and so much more! Set on approximately 0.58 acres in the desirable Belle Vista community, this beautifully appointed 4-bedroom, 3-full bathroom home offers approximately 2,429 square feet of thoughtfully designed living space, including a versatile loft office ideal for working from home, creative space, or a private retreat. The inviting floor plan offers multiple areas for dining, entertaining, and relaxing, while the expansive grounds create an impressive private oasis. Enjoy a heated pool and spa, fire pit, fountain, multiple outdoor entertaining areas, RV parking, and panoramic hill, mountain, and valley views. Car enthusiasts will be especially impressed by the custom upgraded 3-car garage, featuring more than $50,000 in upgrades alone and designed to provide an exceptional space for vehicles, hobbies, storage, and entertaining. Smart-home features and thoughtful improvements throughout add modern comfort and convenience, while the generous lot provides the rare combination of privacy, space, and resort-style living. This is more than a home — it is a property designed for entertaining, relaxing, and enjoying the best of the Southern California lifestyle. Opportunities of this caliber are rare. Come experience 40723 Vista Calma in person and discover everything this exceptional property has to offer! ***Fourth bedroom currently being submitted to the Los Angeles County Assessor for property record update. Room meets current applicable room-size requirements; assessor update is in process.
Location
Palmdale, Los Angeles County, CA 93551
Open on Google Maps ↗Listed by: Matthew Drago · Equity Union
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
$7,210
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $89,900 · Loan: $809,100
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,558
- Property tax (1.25%)
- $936
- Homeowners insurance
- $300
- Mortgage insurance
- $337
- HOA dues
- $78
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 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $31,465 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Palmdale property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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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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