$399,000
Original list price: $509,000
MLS: 26786583
Beds
4
Baths
3
Sq Ft
2,303
Lot
0.36 ac
Year Built
2006
MLS #
26786583
Days on Market
157
Listed
Apr 23, 2026
Description
This prestigious 2,519 sq. ft. luxury custom home in Monte Vista Estates offers exceptional craftsmanship on a 0.36-acre lot, complete with a 1,056 sq. ft. detached RV garage (22' x 48') featuring a 14' x 12' oversized door. A grand custom-designed entrance leads to an elegant open floor plan with elevated ceilings, where a gourmet kitchen with custom cabinetry, granite counters, a large island, black stainless steel appliances, and a walk-in pantry seamlessly connects to the dining area, spacious family room, and inviting living room. The split floor plan features four oversized bedrooms and three baths, including a serene master suite with a tiled surround jacuzzi tub, walk-in tile shower, quartz countertops, and a generous walk-in closet. Interior highlights include plantation shutters, tile flooring, ceiling fans in all bedrooms, a large laundry room, and a hallway adorned with wall-to-wall built-in bookshelves, along with an attached three-car garage featuring insulated doors and epoxy floors. The expansive backyard is an entertainer's dream with a large covered 40' x 15' patio or gazebo space, lush lawn, oversized built-in BBQ, open firepit, jacuzzi, extensive concrete work, iron gates, and a privacy-enhancing block wall.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Christopher Jones · eXp Realty of Greater Los Angeles
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$3,215
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,433
- 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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 $13,965 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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