45628 E Rachel Avenue
Lancaster, CA, 93535
$510,000
Original list price: $575,000
MLS: SR25251946
Beds
4
Baths
2
Sq Ft
2,072
Lot
0.18 ac
Year Built
2025
MLS #
SR25251946
Days on Market
192
Listed
Nov 1, 2025
Description
2025 Built Home in Pacific Lily | Solar, High Ceilings & $20,000 Grant Opportunity This property qualifies for a $20,000 grant from City National Bank, which can be applied toward the buyer's down payment or closing costs, a rare opportunity for added affordability. This property is subject to lender approval for a short sale. Welcome to 45628 Rachel Avenue, a beautifully upgraded 2025-built single-story home located in the desirable Pacific Lily community of Lancaster. Offering 4 spacious bedrooms and 2 full bathrooms, this move-in-ready residence combines modern design, energy efficiency, and functional living. Step inside to an open floor plan featuring soaring ceilings, abundant natural light, and laminate flooring throughout the main living areas, with carpet in all bedrooms. The kitchen features quartz countertops, stainless steel appliances (included), recessed lighting, a large walk-in pantry, and a generous, large center island, ideal for both everyday living and entertaining. The private primary suite offers a large walk-in closet, dual-sink quartz vanity, and a spacious walk-in shower, creating a comfortable and functional retreat. Additional highlights include a refrigerator, a washer, and a dryer included, an indoor laundry room with laminate flooring, an energy-efficient tankless water heater, a built-in fire sprinkler system, a solar lease for energy efficiency, a direct-access 2-car garage, and a large backyard ready for customization, entertaining, or future landscaping. Enjoy the benefit of low HOA dues, fully paid through March 2027, then approximately $58.63 per month thereafter, offering strong value in a newer-construction neighborhood. Conveniently located near schools, parks, shopping, and commuter routes, this home offers the advantages of newer construction, included appliances, and buyer grant eligibility in one of Lancaster's growing communities. Move-in ready, energy-efficient, and competitively positioned for today's market.
Location
Lancaster, Los Angeles County, CA 93535
Open on Google Maps ↗Also listed on GAVAR · MLS# 25008418
Listed by: Christina Di Marzo · Re/Max All-Pro
Payment estimate
$3,989
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $51,000 · Loan: $459,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,907
- Property tax (1.25%)
- $531
- Homeowners insurance
- $300
- Mortgage insurance
- $191
- HOA dues
- $59
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 $17,850 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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