99 Zoe Lane
Needles, CA, 92363
$329,000
MLS: JT26070962
Beds
3
Baths
2
Sq Ft
1,800
Lot
6.80 ac
Year Built
1988
MLS #
JT26070962
Days on Market
1
Listed
Apr 2, 2026
Description
MOTIVATED SELLER!!! This one of a kind property sits on 7 acres with a private well that pumps 9 gallons per minute. Spacious 1800 Square Foot home on 6.8 Acres!!! This home features 3 bedrooms and 2 bathrooms. Large open kitchen and dining area! Indoor laundry and tons of extra storage space as well! Plenty of room for ALL your toys in the 1800 Square Foot basement! Basement features garage/workshop, plumbing for additional bathroom and a storage room that could be used as living space if so desired. This property has its own private well for water which means no water bill! Zoned open space which means the property could be used for just about anything! So many possibilities! Enjoy the panoramic views, sunsets and sunrises. Just minutes from the Colorado River and all the off-roading you could ever want to do right out your back door!
Location
Needles, San Bernardino County, CA 92363
Open on Google Maps ↗Listed by: Kimberli Willis · River Sisters Realty
Payment estimate
$2,585
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $32,900 · Loan: $296,100
- Principal & Interest
- $1,819
- Property tax (1.25%)
- $343
- Homeowners insurance
- $300
- Mortgage insurance
- $123
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 Needles home with as little as 3.5% down using an FHA loan — roughly $11,515 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.
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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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