616 Ray Street
Bakersfield, CA, 93308
$239,900
MLS: V1-34641
Beds
3
Baths
2
Sq Ft
1,168
Lot
0.13 ac
Year Built
1941
MLS #
V1-34641
Days on Market
32
Listed
Feb 13, 2026
Description
This architectually distinct home features arched windows in the living room which invites natural light throughout. The living room has a unique stone fireplace which adds a focal point, warmth and charm. The bright kitchen opens to the dining room which is perfect for entertaining. Other property features are a long driveway for multiple cars or an RV, a detached one car garage, and a generously sized backyard with mature trees. This is an excellent opportunity to own a 3 bedroom home in a desireable location across the street from a park. One living room photo is virtually staged.
Location
Bakersfield, Kern County, CA 93308
Open on Google Maps ↗Listed by: Elissa Davalos · Keller Williams Westlake
Payment estimate
$1,966
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $23,990 · Loan: $215,910
- Principal & Interest
- $1,327
- Property tax (1.25%)
- $250
- Homeowners insurance
- $300
- Mortgage insurance
- $90
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 $8,397 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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