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Tehachapi, CA, 93561
$480,000
MLS: 26002931
Beds
3
Baths
2
Sq Ft
2,160
Lot
1.01 ac
Year Built
1991
MLS #
26002931
Days on Market
13
Listed
Apr 13, 2026
Description
Welcome to 28220 Black Gold -- ideally located on the valley floor, minutes to the hiking/horse trails with views of the sunset and adjacent ranch land. Completely level property, this 3 bedroom, 2 bath ranch style home is ready for its' new owner to make it their own! Property is being sold in current condition -- Country kitchen, with adjacent breakfast area, large corner fireplace in family room, as well as a second fireplace in the primary suite - hardwood, tile and carpet floors throughout. Large shop, approximately 2000+ square feet, (buyer to verify) includes a small workroom, studio guest quarters currently tenant occupied, with full bath as well as a large tack/hay room. Fenced and cross-fenced, with large 3 sided concrete run-ins, water troughs built-in and plenty of room to park large horse trailer and RV complete the property.
Location
Tehachapi, Kern County, CA 93561
Listed by: Carol Miller · Keller Williams Tehachapi
Payment estimate
$3,534
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $48,000 · Loan: $432,000
- Principal & Interest
- $2,654
- Property tax (1%)
- $400
- Homeowners insurance
- $300
- Mortgage insurance
- $180
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 Tehachapi home with as little as 3.5% down using an FHA loan — roughly $16,800 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 93561 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 Tehachapi. Check your household income eligibility at eligibility.sc.egov.usda.gov.
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