8849 Bay Avenue
California City, CA, 93505
$400,000
MLS: 26002569
Beds
4
Baths
3
Sq Ft
2,400
Lot
0.22 ac
Year Built
2022
MLS #
26002569
Days on Market
27
Listed
Mar 30, 2026
Description
This high-quality newly built home offers 4 spacious bedrooms and 3 full bathrooms, designed with comfort and modern living in mind. Features premium finishes throughout, a gourmet kitchen, and generous living spaces perfect for entertaining. Enjoy the convenience of a 3-car garage and the efficiency of a tankless water heater. Step outside to a large backyard, ideal for outdoor living, gatherings, or future customization. Built with attention to detail and quality craftsmanship, this home blends style, functionality, and long-term value.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Yasser Aboutaleb · Tehachapi Summit Real Estate
Payment estimate
$2,995
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,000 · Loan: $360,000
- Principal & Interest
- $2,212
- Property tax (1%)
- $333
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 $14,000 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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