45737 Chama Drive
Lancaster, CA, 93535
$499,900
Original list price: $510,000
MLS: CV26024675
Beds
3
Baths
2
Sq Ft
1,867
Lot
0.18 ac
Year Built
2020
MLS #
CV26024675
Days on Market
107
Listed
Feb 10, 2026
Description
Charming single-story home with a thoughtfully designed open-layout. An interior with natural light creating an inviting atmosphere across all spaces. The heart of this home features a huge kitchen island, dining, and family room ideal to gather and entertain. The functional floor plan provides comfortable living areas with plenty of room to work from home or accommodate guests. Spacious three bedrooms and two full bathrooms, the master bedroom a place to relax with a shower, dual sinks and walk-in closet. The second bathroom includes a shower and tub, tile flooring flows throughout the home, office, high ceilings, central a/c, recessed lights, solar panels to improve energy efficiency, two car garage and driveway. Step into the back yard ready for your personal landscaping vision-perfect design. A perfect blend of versatility and space in a desirable Lancaster location.
Location
Lancaster, Los Angeles County, CA 93535
Open on Google Maps ↗Listed by: Maria Meneses · eXp Realty of Southern California Inc
Payment estimate
$3,858
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,990 · Loan: $449,910
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,850
- Property tax (1.25%)
- $521
- Homeowners insurance
- $300
- Mortgage insurance
- $187
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 $17,497 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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