8736 Bay Avenue
California City, CA, 93505
$239,900
MLS: 26003264
Beds
3
Baths
2
Sq Ft
1,250
Lot
0.22 ac
Year Built
1972
MLS #
26003264
Days on Market
2
Listed
Apr 23, 2026
Description
Welcome to this well-maintained 3-bedroom, 2-bathroom home offering approximately 1,250 sq ft of comfortable living space. Situated on a spacious 9,583 sq ft lot, this property provides plenty of room for outdoor use, storage, or future possibilities. The home has been cared for over the years and presents a great opportunity for a buyer to move in as-is or gradually update to their personal taste. The large lot features two generously sized sheds/workshops, ideal for hobbies, storage, or workspace needs. Equipped with solar for energy efficiency, this property offers added value and long-term utility savings. Conveniently located with easy access to main roads, this home is a solid option for buyers looking for space, functionality, and potential.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Nick Armijo · Real Brokerage Technologies
Payment estimate
$1,916
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $23,990 · Loan: $215,910
- Principal & Interest
- $1,327
- Property tax (1%)
- $200
- 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 California City 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.
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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