4813 Smokey Mountain Way
Bakersfield, CA, 93312
$450,000
MLS: V1-34855
Beds
4
Baths
2
Sq Ft
2,080
Lot
0.17 ac
Year Built
2002
MLS #
V1-34855
Days on Market
32
Listed
Feb 24, 2026
Description
Charming 4-bedroom, 2-bath home offering 2,080 sq ft in a quiet NW neighborhood near Noriega and Allen. Situated on a 7,405 sq ft lot with manicured front landscaping, this single-story home welcomes you with vaulted ceilings and an open, airy layout. The family room is the heart of the home, showcasing a dramatic floor-to-ceiling stacked stone fireplace and seamless flow into the spacious dining area and upgraded kitchen with granite countertops and backsplash, stainless steel appliances, and breakfast bar seating. Wood-look tile flooring and plantation shutters add warmth and style throughout. Inside the primary suite, enjoy dual sinks with granite counters and decorative backsplash, a soaking tub, and separate shower. Step outside to a generous backyard with lush lawn and an Alumawood covered patio with ceiling fans, perfect for relaxing or entertaining. Move-in ready and close to schools, shopping, and dining.
Location
Bakersfield, Kern County, CA 93312
Open on Google Maps ↗Listed by: William Gordon · Watson Realty
Payment estimate
$3,426
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $45,000 · Loan: $405,000
- Principal & Interest
- $2,488
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 $15,750 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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