8447 Fernwood Avenue
California City, CA, 93505
$339,900
MLS: 26002820
Beds
4
Baths
2
Sq Ft
1,464
Lot
0.22 ac
Year Built
1958
MLS #
26002820
Days on Market
153
Listed
Apr 8, 2026
Description
DO NOT BE FOOLED BY THE ORIGINAL CONSTRUCTION DATE (1959). In 1996 this home became the subject of a complete remodel. The roof was peaked and the primary bedroom, bath and laundry were added to create the split-wing floor plan. A huge detached garage was added in the backyard together with covered RV parking, several sheds and cross-fencing. Then again in 2024 this home was upgraded. The kitchen was gutted to add new cabinets, counter tops, sink and appliances including stove, microwave, refrigerator and washer/dryer (all of which remain with this home upon sale). A new heat and air unit was installed. ADDED BONUS: fully-paid solar system (expanded in 2024) and Natural Gas too. New Stucco. The living room boasts a pellet stove and vaulted ceilings. As you view this home you will find ceiling fans throughout. The windows are all dressed with custom shutters. The floors are covered by a special treatment concrete in the living areas while the bedrooms are carpeted. The primary bedroom is spacious and will accommodate the oversized furniture that is so popular today. The primary bathroom is equipped with separate tub and shower and big closets. The huge garage can be accessed through by a gate on the west side of the house. The fencing found here is a great protection for children and pets. You will find all of this and more in a quiet family neighborhood located close to town and public transportation. Come see this home today. It has so much to offer. It will not last long.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Jane Riding · Mamayan Realty Inc
Payment estimate
$2,638
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $33,990 · Loan: $305,910
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,928
- Property tax (1%)
- $283
- Homeowners insurance
- $300
- Mortgage insurance
- $127
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 18, 2026
- 30-year fixed
- 6.47%
- 15-year fixed
- 5.81%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
California City, CA in context
California City is the third-largest city in California by land area but one of the smallest by population — which is exactly what makes it interesting. Entry prices are the lowest in the region, land is plentiful and cheap, and many investors buy both finished homes and raw lots here. The Galileo Hill / Central Park area is the most established residential pocket; everything north of there is wide-open desert. If you’re hunting for value or a long-hold land play, this is the AV’s best opportunity zone. Mike Watson works California City land and home deals across the region and can help you weigh a finished home against a raw-lot hold. If you are evaluating homes in California City, Mike Watson lives and works the California City market every day. He pairs this listing with a free market analysis for your specific street, an honest read on the financing options that fit (FHA, VA, USDA, CalHFA, conventional, and assumable when the loan supports it), and a side-by-side compare against the rest of the active inventory in the area.
Financing Options
FHA Financing — 3.5% Down＋
First-time and repeat buyers can purchase this California City home with as little as 3.5% down using an FHA loan — roughly $11,897 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.
USDA Rural Development — 100% Financing＋
ZIP code 93505 qualifies for USDA Rural Development financing — 100% financing with no down payment for income-eligible buyers. USDA loans offer below-market interest rates and reduced mortgage insurance premiums, making this one of the most affordable paths to homeownership in California City. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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Local Market Stats
See California City, CA 93505 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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