8837 Holly Avenue
California City, CA, 93505
$379,900
MLS: 26004918
Beds
4
Baths
3
Sq Ft
1,858
Lot
0.25 ac
Year Built
2025
MLS #
26004918
Days on Market
1
Listed
Jun 23, 2026
Description
Step into modern desert living in this stunning 4-bedroom, 3-bathroom new construction home in the heart of California City. Love efficiency? You'll love the fully paid solar panels, clean energy, and low utility bills built right in. Need flexibility? The separate Junior ADU is a game-changer: perfect for extended family, long-term guests, a private home office, or rental income to help offset your mortgage. Move-in ready in a prime location. Don't miss this rare opportunity to own new construction with built-in value! Schedule your private tour today before this one is gone!
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Kyle Gordon · Luxury Collective
Payment estimate
$2,913
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $37,990 · Loan: $341,910
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,154
- Property tax (1%)
- $317
- Homeowners insurance
- $300
- Mortgage insurance
- $142
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 $13,297 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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