5504 E White Lane
Bakersfield, CA, 93307
$499,000
MLS: SR26066823
Beds
4
Baths
2
Sq Ft
1,720
Lot
5.18 ac
Year Built
1992
MLS #
SR26066823
Days on Market
12
Listed
Apr 2, 2026
Description
Welcome to this 4B/2B home set on an incredible 5.18-acre RS-zoned lot. With over five acres of land, this property truly stands out presenting a unique chance to own and utilize acreage of this size with endless potential! Step inside to find a double-sided fireplace that creates a natural connection between the dining and living areas, while plantation shutters throughout the main living spaces and kitchen add both style and functionality. Tile flooring enhances durability and ease of maintenance. With 5.18 acres of inviting Hacienda charm, this property presents an exceptional opportunity to develop a premier horse property—complete with space for a barn, riding arena, tack & feed areas, and open turnouts—while also allowing room for a pool! The home also features a covered outdoor structure with electrical, perfect for outdoor entertaining day or night. With space to grow, build, and create your vision, this is the kind of property that turns possibilities into reality!
Location
Bakersfield, Kern County, CA 93307
Open on Google Maps ↗Listed by: Laurie McCarty · Coldwell Banker Preferred Realtors
Payment estimate
$3,766
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,900 · Loan: $449,100
- Principal & Interest
- $2,759
- Property tax (1.25%)
- $520
- 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 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 $17,465 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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