647 Harps Street
San Fernando, CA, 91340
$719,999
MLS: 26004576
Beds
2
Baths
1
Sq Ft
850
Lot
0.12 ac
Year Built
1926
MLS #
26004576
Days on Market
6
Listed
Jun 11, 2026
Description
Beautiful California Bungalow in the Heart of San Fernando! Storybook curb appeal meets modern updates in this beautifully maintained 2 bedroom, 1 bath cottage on a generous lot in the City of San Fernando. From the moment you arrive, the lush front lawn, mature shade trees, and classic covered porch set the tone, this is the kind of home that makes you slow down as you drive by. Inside, the bright, open living and dining area flows into a tastefully remodeled kitchen featuring quartz countertops, custom cabinetry, designer tile backsplash, stainless steel appliances, and a deep farmhouse style sink. The spa inspired bathroom is a true showstopper: freestanding soaking tub, oversized frameless glass shower, and elegant tilework you'd expect in a home twice the price. Out back, a private deck overlooks the landscaped yard, perfect for morning coffee or weekend gatherings, while a mature fig tree, Granny Smith apple tree, and lemon tree offer your own backyard harvest year after year. The long gated driveway leads to a detached garage with excellent storage or workshop/ADU potential. All of this just minutes from the historic San Fernando Mall, local restaurants, parks, and easy 210/118/5 freeway access. Small-town charm, big-time convenience. Homes like this in San Fernando don't wait around. Schedule your showing today!
Location
San Fernando, Los Angeles County, CA 91340
Open on Google Maps ↗Also listed on CRMLS · MLS# SR26127052
Listed by: Ileana Dominguez · Keller Williams Realty A.V.
Payment estimate
$5,424
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $72,000 · Loan: $647,999
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,104
- Property tax (1.25%)
- $750
- Homeowners insurance
- $300
- Mortgage insurance
- $270
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this San Fernando home with as little as 3.5% down using an FHA loan — roughly $25,200 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
See San Fernando, CA 91340 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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