44632 Fern Avenue
Lancaster, CA, 93534
$560,000
MLS: SR26109830
Beds
5
Baths
3
Sq Ft
2,163
Lot
0.20 ac
Year Built
1950
MLS #
SR26109830
Days on Market
8
Listed
May 21, 2026
Description
**SINGLE FAMILY WITH ADU* Welcome to this Unique Investment Opportunity in Lancaster, CA! This exceptional property features two homes on one spacious lot, offering flexibility for multi-generational living or rental income. The main home offers approximately 1,700 sq ft of living space and includes 3 bedrooms, plus a bonus room, a comfortable living room, dining room, and 2 full bathrooms. Each bedroom is equipped with its own A/C unit for added comfort. In the back of the property, you'll find a newly built ADU (2026) with 463 sq ft. This charming unit includes 1 bedroom, a kitchen, a full bathroom, and comes equipped with a washer and dryer at no extra cost. Both homes sit on a large lot with excellent potential for RV parking or future expansion. The property is already equipped with multiple RV power adapters, making it perfect for RV owners or additional utility use. Conveniently located just minutes from schools and downtown Lancaster, this property offers both comfort and investment potential. Seller has a recent appraisal report reflecting the current value of this property. Don't miss this opportunity to own a versatile duplex in a centrally located Lancaster neighborhood. Schedule your showing today!
Location
Lancaster, Los Angeles County, CA 93534
Open on Google Maps ↗Listed by: Augusto Hernandez · Johnhart Real Estate
Payment estimate
$4,289
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $56,000 · Loan: $504,000
- Principal & Interest
- $3,196
- Property tax (1.25%)
- $583
- Homeowners insurance
- $300
- Mortgage insurance
- $210
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 28, 2026
- 30-year fixed
- 6.53%
- 15-year fixed
- 5.87%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
Lancaster, CA in context
Lancaster is the largest city in the Antelope Valley and the heart of Mike Watson’s service area, covering ZIP codes 93534, 93535, and 93536. From the historic BLVD downtown to West Lancaster’s master-planned communities and the rural acreage of Antelope Acres, Lancaster offers more housing variety than any other AV city. Whether you’re shopping for your first home, an investment property, or your forever house with a view, the listings below are pulled live from the MLS. If you are evaluating homes in Lancaster, Mike Watson lives and works the Lancaster 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 $19,600 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 93534 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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