630 Acoma Street
Needles, CA, 92363
$299,000
MLS: JT26080317
Beds
5
Baths
4
Sq Ft
1,534
Lot
0.22 ac
Year Built
1957
MLS #
JT26080317
Days on Market
1
Listed
Apr 14, 2026
Description
Opportunity meets versatility with this unique corner-lot property in Needles, California! This well-maintained single-family home features 3 bedrooms, 2 bathrooms, and a spacious living room perfect for relaxing or entertaining. Full of charm and solid bones, the home offers a great opportunity for a buyer to add modern updates and personal touches to truly make it shine. A large garage provides plenty of room for vehicles, storage, hobbies, or workspace needs. What makes this property even more special is the additional duplex located on-site. Each unit offers 1 bedroom, 1 bathroom, plus its own kitchen, dining, and living area—ideal for rental income, multi-generational living, guests, or extended family. Situated on a corner lot, the duplex has its own separate entrance from one street, while the main home enjoys private access from the other, creating convenience and privacy for both spaces. Whether you’re looking for an investment opportunity, extra income potential, or a property with room for everyone, this one is packed with possibilities!
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Kimberli Willis · River Sisters Realty
Payment estimate
$2,377
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $29,900 · Loan: $269,100
- Principal & Interest
- $1,653
- Property tax (1.25%)
- $311
- Homeowners insurance
- $300
- Mortgage insurance
- $112
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 Needles home with as little as 3.5% down using an FHA loan — roughly $10,465 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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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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