55585 Onaga
Yucca Valley, CA, 92284
$405,000
MLS: PW25252123
Beds
3
Baths
2
Sq Ft
1,290
Lot
0.37 ac
Year Built
1958
MLS #
PW25252123
Days on Market
149
Listed
Nov 24, 2025
Description
***PRICE IMPROVEMENT ** SELLER WANTS IT SOLD ASAP*** Showpiece in Yucca Valley — “!!ASSUMABLE LOAN @3.8%!!” **RARE OPPORTUNITY-LOWER MONTHLY PAYMENTS THAN LOCAL RENT THANKS TO THE ASSUMABLE RATE (IF USED)** Turnkey Corner-Lot Home Welcome home to this stunning, fully renovated "METICULOUSLY REBUILT DOWN TO THE STUDS WITH PERMITS, THIS TURNKEY HOME BLENDS MODERN SYSTEMS AND FINISHES WITH COMFORTABLE DESERT LIVING" 3-bedroom, 2-bath residence with 1 oversized car garage, ideally located on a generous corner lot a short distance to schools and a short drive to Joshua Tree National Park (approx 15-20 mins) & World famous Pioneer Town (approx 5-10 mins) Interior Features - Open floor plan with a light-filled living area and wood burning fireplace - French door connecting the living area to the master bedroom/bonus room - Newly remodeled kitchen with concrete countertops and contemporary finishes - Utility-sized private laundry room with space suitable for a walk-in pantry - Spacious bedroom closets and new waterproof laminate manufactured wood flooring throughout Major Upgrades - New insulated walls and insulated attic - New PEX plumbing and upgraded electrical system with new service panel - New dual-pane windows and new 30-year roof - Fresh interior and exterior paint; new wood fencing - New HVAC system Exterior & Financial Benefits - Large enclosed yard with ADU potential (buyer to confirm permitting requirements with local authorities) - Paid solar system grandfathered under NEM 2.0 — long-term electric savings potential! - Active short-term rental permit through May 2027; property offered furnished for turnkey operation (buyers should confirm permit transferability and applicable rental regulations) Additional Information - Sold furnished; detailed inventory list available upon request - All renovation work completed with permits; documentation available for buyer review
Location
Yucca Valley, San Bernardino County, CA 92284
Open on Google Maps ↗Listed by: Arthur Cervantes · Arthur Cervantes Properties Inc
Payment estimate
$3,113
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,500 · Loan: $364,500
- Principal & Interest
- $2,240
- Property tax (1.25%)
- $422
- Homeowners insurance
- $300
- Mortgage insurance
- $152
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 Yucca Valley home with as little as 3.5% down using an FHA loan — roughly $14,175 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 Yucca Valley 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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