45731 Chama
Lancaster, CA, 93535
$475,000
Original list price: $499,900
MLS: CV26027615
Beds
3
Baths
2
Sq Ft
1,694
Lot
0.18 ac
Year Built
2020
MLS #
CV26027615
Days on Market
127
Listed
Feb 5, 2026
Description
This beautiful single-story 3-bedroom, 2-bath home features an open-concept layout that creates a bright and inviting living space—perfect for both everyday living and entertaining. Open Kitchen with beautiful quarts counter tops and upgraded vinyl flooring. Large master bedroom with walk-in closet. The home offers a clean canvas ready for your personal touch, while the fully landscaped backyard is designed for low-maintenance enjoyment with concrete hardscape and AstroTurf, ideal for relaxing or hosting gatherings year-round. Conveniently located near schools, shopping, and commuter routes, this move-in-ready home blends comfort, functionality, and opportunity. A great chance to make this space your own—don’t miss it!
Location
Lancaster, Los Angeles County, CA 93535
Open on Google Maps ↗Listed by: Jessica Pugh · Jessica Pugh, Broker
Payment estimate
$3,681
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $47,500 · Loan: $427,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,708
- Property tax (1.25%)
- $495
- Homeowners insurance
- $300
- Mortgage insurance
- $178
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 $16,625 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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