4201 Charter Oaks Avenue
Bakersfield, CA, 93309
$399,900
MLS: PI26069276
Beds
3
Baths
2
Sq Ft
1,663
Lot
0.18 ac
Year Built
1971
MLS #
PI26069276
Days on Market
3
Listed
Mar 31, 2026
Description
Welcome to this beautifully updated 3 bedroom, 2 bathroom Southwest gem featuring a sparkling pool just in time for summer. This move-in ready home showcases wood-like tile flooring throughout, granite countertops, and a stylish kitchen with stainless steel appliances and brushed bronze accents. The bathrooms have been tastefully refreshed with updated showers, new mirrors, and modern light fixtures. Enjoy flexible living with a breakfast area, formal dining area, two spacious living rooms and a wood-panel accented fireplace. French doors from both living areas open to a covered patio and inviting pool, creating seamless indoor-outdoor living with al fresco dining possibilities. Charming brick accents add character and warmth throughout the property. The garage offers a unique pass-through door for additional parking or versatility. Centrally located near schools, dining, and freeway access, this home offers comfort, style, and convenience.
Location
Bakersfield, Kern County, CA 93309
Open on Google Maps ↗Listed by: Alishaan Abbas · Keller Williams Realty Bakersfield
Payment estimate
$3,078
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,990 · Loan: $359,910
- Principal & Interest
- $2,211
- 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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this Bakersfield 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 Bakersfield, CA 93309 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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