9725 Susan Avenue
California City, CA, 93505
$347,000
Original list price: $355,000
MLS: BB25277135
Beds
3
Baths
3
Sq Ft
1,924
Lot
0.26 ac
Year Built
2006
MLS #
BB25277135
Days on Market
150
Listed
Jan 23, 2026
Description
Great Opportunity in California City! Welcome to this well-maintained 3-bedroom, 2.5-bath home offering 1,924 sq ft of comfortable living on an expanded 11,308 sq ft flat lot—a rare find with room to grow. Step inside to a spacious open layout featuring a large living room that flows seamlessly into the dining area and kitchen, perfect for everyday living and entertaining. The generously sized bedrooms provide comfort and flexibility, while abundant natural light creates a warm, inviting atmosphere throughout. A 2-car attached garage adds everyday convenience, and the oversized backyard offers endless potential for outdoor entertaining, gardening, or future enhancements. This home includes a solar system for energy efficiency and long-term savings (solar loan balance approx. $13,000). VA assumable loan available, offering a unique opportunity for qualified buyers to take advantage of existing financing—subject to lender and VA approval; buyer to verify all terms. Situated on a quiet street with easy access to local amenities, the property is conveniently located near Edwards Air Force Base and Mojave Air and Space Port, making it an excellent option for military personnel, commuters, aerospace professionals, or investors.
Location
California City, Kern County, CA 93505
Open on Google Maps ↗Listed by: Olga Rodriguez · Brick and Mortar Real Estate Group Inc.
Payment estimate
$2,687
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $34,700 · Loan: $312,300
Average 30-yr fixed rate 6.47% as of Jun 18, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,968
- Property tax (1%)
- $289
- Homeowners insurance
- $300
- Mortgage insurance
- $130
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 $12,145 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.
Assumable Loan — Lock In a Below-Market Rate＋
This California City property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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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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