40987 178th Street
Lancaster, CA, 93535
$399,900
MLS: 26003776
Beds
3
Baths
2
Sq Ft
1,176
Lot
0.67 ac
Year Built
1979
MLS #
26003776
Days on Market
0
Listed
May 11, 2026
Description
Beautiful ranch style home, featuring 3 bedrooms and 2 full bathrooms, on almost an acre lot! The home was has some recent interior upgrades, including a newer roof. The backyard offers a blank canvas for your own garden space, more animal stalls, outdoor buildings for storage, RV access and hook ups, & much more. Don't miss your opportunity to call this your home!
Location
Lancaster, Los Angeles County, CA 93535
Open on Google Maps ↗Listed by: Gabriela Villa · Ethos International Real Estate
Payment estimate
$3,111
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,990 · Loan: $359,910
- Principal & Interest
- $2,244
- Property tax (1.25%)
- $417
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 May 7, 2026
- 30-year fixed
- 6.37%
- 15-year fixed
- 5.72%
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 $13,997 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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