5309 Gardendale Lane
Palmdale, CA, 93551
$659,000
MLS: 26002850
Beds
5
Baths
3
Sq Ft
2,403
Lot
0.56 ac
Year Built
1989
MLS #
26002850
Days on Market
6
Listed
Apr 9, 2026
Description
Rare opportunity in West Palmdale's gated community with access to a highly regarded school district. This beautifully maintained home offers space, comfort, and long-term value, starting with an incredible 3% VA ASSUMABLE LOAN, a true advantage in today's market. Extensively upgraded with over $100,000 invested in a BRAND-NEW ROOF, NEW WINDOWS, and NEW DOORS, the home is designed for both durability and energy efficiency. The PAID-OFF SOLAR adds even more savings and sustainability. Inside, the open floor plan with high vaulted ceilings creates a bright, airy atmosphere throughout the home. The generous layout features five spacious bedrooms, offering flexibility for growing families, guests, or work-from-home needs. Set on over HALF ACRE, the property provides exceptional outdoor space. Enjoy lush green lawns in both the front and back yards, RV PARKING, and peaceful valley views that bring a sense of calm to everyday living. A large storage building adds tremendous potential, ideal for conversion into a guest house, private office, workshop, or future ADU (buyer to verify). Lovingly cared for and meticulously maintained, this home reflects pride of ownership inside and out, ready for the next owner to enjoy the space, the upgrades, and the lifestyle.
Location
Palmdale, Los Angeles County, CA 93551
Open on Google Maps ↗Listed by: Rose Nguyen · Keller Williams Realty A.V.
Payment estimate
$4,878
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $65,900 · Loan: $593,100
- Principal & Interest
- $3,644
- Property tax (1.25%)
- $686
- Homeowners insurance
- $300
- Mortgage insurance
- $247
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 Palmdale home with as little as 3.5% down using an FHA loan — roughly $23,065 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Palmdale property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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