$310,000
MLS: 26004723
Beds
3
Baths
2
Sq Ft
1,586
Lot
0.22 ac
Year Built
2006
MLS #
26004723
Days on Market
15
Listed
Jun 16, 2026
Description
Bring your clients today to see this home. It would be perfect for them. With so much to offer at such a good price it will not last long. Nice entry into a large living room that is appointed with a fireplace, heat pump/mini split, high ceilings and ceiling fan. Proceed to the kitchen where you will find loads of cabinet space, granite counter tops, a breakfast bar, dining space, ceiling fan and access to the back yard through french doors. Down the hall are 2 bedrooms, hall bathroom and laundry room. Also down this hall is the primary bedroom and bath. Here are a ceiling fan, large walk-in closet, dual vanities with granite counter tops and separate shower. The laundry room is equipped with both gas and electric hook-ups for the dryer. Both bathrooms and the laundry room have exhaust fans. All three bedrooms are floored with carpet while the rest of the living area is floored with vinyl and tile. The backyard is large and offers many possibilities for fun, entertainment and relaxation. Much attention has been paid to energy efficiency. There is a big solar system and heat pump/mini split. This is the perfect place to enjoy life in the high desert.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Jane Riding · Mamayan Realty Inc
Payment estimate
$2,433
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $31,000 · Loan: $279,000
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,758
- Property tax (1%)
- $258
- Homeowners insurance
- $300
- Mortgage insurance
- $116
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 $10,850 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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