1178 Lilac Hill Ter
Westchester · Bakersfield, CA
Homiy says: I like the ≈ 2-min walk to Metropolitan Recreation Center and the 5,950 sqft lot with a garage that could become a cottage. It's from before 1978, so expect a lead-based paint disclosure.
Why Homiy likes it
- ≈ 2-min walk to Metropolitan Recreation Center (116 acres)EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: U.S. Census Bureau, TIGER/Line 2026 area landmarks (parks) · 2026 files, retrieved 2026-10-09 (opens in a new tab)
- ZIP 93301 prices +76% in 10 yearsKnownFHFA's experimental ZIP house price index (houses with Fannie Mae or Freddie Mac loans), 2015 to 2025.Past change, not a forecast.Source: FHFA House Price Index, five-digit ZIP codes, annual (developmental, all-transactions) · 2000–2025 (updated 2026-03-31) (opens in a new tab)
- 5,950 sqft lot · garage-to-cottage ADU allowedRuleBakersfield's by-right rules for a typical house lot, researched Sep 27, 2026. This parcel's zone and overlays can allow less.Source: California HCD, ADU Handbook (Gov. Code §§66314, 66323, 66333) · March 2026, pp. 16–18, 28, 32–33, 36–39 (opens in a new tab)
- ≈ 1.2 mi to downtownEstimateStraight line from the home to Bakersfield City Hall North, 1600 Truxtun Ave, Bakersfield, CA 93301. Not a driving distance.Source: City of Bakersfield: City Manager's memo of June 17, 2022 (City Hall North, 1600 Truxtun Avenue) · retrieved 2026-10-09 (opens in a new tab)
- Roof about 3 years old (seller disclosure)Sample: fictional home, for the demo.
- Heat pump for heating and cooling (seller disclosure)Sample: fictional home, for the demo.
+2 moreShow fewer
- No HOA dues (per the listing)Sample: fictional home, for the demo.
- Updated (per the listing)Sample: fictional home, for the demo.
Value over time
Grow its value
Garage into a cottage (ADU)Bakersfield's rules allow turning the detached garage into an accessory dwelling unit on a typical house lot like this one.
Nationally, an ADU project cost about $166,406 and returned about 41% of that at resale, not counting rent. Cost vs. ValueSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)
Bakersfield's by-right housing rules for a typical house lot, plus ADU math on sample assumptions, shown as ranges.
Bakersfield rules · typical house lot
High confidenceUp to 4 homes on a typical house lot
1 home today · room for 3 more (ADUs count toward the total)
House + converted ADU + JADU + detached ADU on qualifying lots.
- Typical detached-lot baseline
- 4 homes, ADUs included
- Accessory dwellings (ADUs)
- Up to 3 ADUs · inside the house, attached, detached (backyard) · no owner-occupancy rule foundIncludes one JADU (500 sq ft maximum) and one §66323 detached ADU (800 sq ft maximum); the converted ADU has no single statewide size cap. No owner-occupancy for an ordinary ADU or a JADU with its own bathroom; a shared-bathroom JADU requires owner-occupancy. Other local-standards ADUs have different size rules.
- Lot split
- Allowed, lots of at least 1,200 sqftSB 9 qualifying urban lot split: minimum 1,200 sq ft per resulting parcel unless local rules allow less; two units per resulting parcel inclusive of ADUs/JADUs. Not an automatic split of every lot.
Caveats (6)
- Count is the existing/proposed house plus one converted ADU, one JADU and one detached ADU under §66323; conversions need suitable building space. This is not four full-size new houses.
- The §66314 local-standards ADU route can permit additional capacity; it is not assumed here. An SB 9 split is an alternative: two units per resulting parcel, not four plus ADUs on each.
- SB 9 excludes specified historic, hazard and protected/tenant-occupied properties, requires a qualifying urban single-family parcel, roughly 40/60 or more equal division and an owner-occupancy affidavit for the split. Utility service and access must work.
- State ADU law limits HOA restrictions; do not assume every recorded private restriction is enforceable or that every overlay disappears. Coastal and building/fire approvals remain.
- This market is not in an SB 79 urban transit county; no SB 79 transit entitlement is assumed.
- Illustrative entitlement screen, not a parcel determination. Verify zoning/overlays, historic review, recorded covenants, utilities, access, setbacks and building/fire/flood rules before relying on capacity.
ADU option · sample assumptions
Garage conversion · 450 sqft
Turn the garage into a studio cottage, where the city's ADU rules allow it.
- Build cost
- $86K–$128K
- Adds in value
- $40K–$60K
- Rent it out
- $700–$950/mo
- Value added minus build cost
- −$88K to −$26K
Not included: financing costs, the months it takes to permit and build, and the property tax on the new unit.
Sample build costs scaled to Bakersfield's construction costs; rent from the ZIP's median rent (Census ACS) where known. The ranges come from stated assumptions, not measured error: build cost ±20%, value added at a share of the neighborhood's sample townhome price per sqft ±15 points, rent ±15%. Get real bids before counting on it.
A planning estimate, not a zoning determination or an appraisal: Bakersfield's by-right allowance for a typical detached house lot, researched as of Sep 27, 2026 (high confidence). This parcel's zone, overlays, historic review, deed restrictions and site conditions can allow less. Check with the city and an architect before relying on it.
- California HCD, ADU Handbook (Gov. Code §§66314, 66323, 66333) (March 2026, pp. 16–18, 28, 32–33, 36–39)
- California HCD, SB 9 Fact Sheet (Gov. Code §§65852.21, 66411.7) (retrieved 2026-09-27)
RuleBakersfield's by-right rules for a typical house lot, researched Sep 27, 2026. This parcel's zone and overlays can allow less.Source: California HCD, ADU Handbook (Gov. Code §§66314, 66323, 66333) · March 2026, pp. 16–18, 28, 32–33, 36–39 (opens in a new tab)CaliforniaSource: California HCD, ADU Handbook (Gov. Code §§66314, 66323, 66333), March 2026, pp. 16–18, 28, 32–33, 36–39 (opens in a new tab)Replace the garage doorCurb appeal · typical recoup 268% at resale268%
A garage door can fill much of a house's front, so a new one changes how the whole house looks.
The top payback in the 2025 report. National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.The top payback in the 2025 report. National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $4,672Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Replace the front door with a steel oneCurb appeal · typical recoup 216% at resale216%
A new front door freshens the entry and can seal better than a worn one.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $2,435Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Add manufactured stone veneer to the frontCurb appeal · typical recoup 208% at resale208%
Stone veneer on part of the front wall changes how the house looks from the street.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $11,702Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)
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Replace siding with fiber cementCurb appeal · typical recoup 114% at resale114%
New siding refreshes the whole exterior and protects the walls behind it.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $21,485Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Minor kitchen remodel (midrange)Kitchen · typical recoup 113% at resale113%
Refreshing the kitchen in its current layout updates the look without the cost of a full remodel.
The only interior project in the 2025 report's top five. National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.The only interior project in the 2025 report's top five. National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $28,458Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Replace siding with vinylCurb appeal · typical recoup 97% at resale97%
A lower-cost way to give worn or damaged siding a clean, uniform look.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $17,950Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Add a backup power generatorSystems · typical recoup 95% at resale95%
Backup power can keep heat, cooling, sump pumps and refrigerators running during outages.
New to the top 10 in 2025; Zonda reports returns above 100% in hurricane-prone and storm-affected regions.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.New to the top 10 in 2025; Zonda reports returns above 100% in hurricane-prone and storm-affected regions.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $13,534Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Add a wood deckOutdoor · typical recoup 95% at resale95%
Outdoor living space adds usable room for much less than an addition.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $18,263Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Build a grand fiberglass entranceCurb appeal · typical recoup 85% at resale85%
A larger fiberglass entry makes a strong first impression.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab) $11,754Est.EstimateZondaSource: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects, 2025 report, published 2025-09-18 (opens in a new tab)Bathroom remodel (midrange)Bath · typical recoup 80% at resale80%
Updating a dated bathroom refreshes a room everyone uses every day.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $26,138Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Replace windows with vinylEnergy · typical recoup 76% at resale76%
New windows can cut drafts and take an item off a buyer's repair list.
The federal 25C credit that covered efficient windows ended for improvements after December 31, 2025.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: IRS: Energy Efficient Home Improvement Credit (25C) for improvements made through December 31, 2025 · retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.The federal 25C credit that covered efficient windows ended for improvements after December 31, 2025.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $22,073Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Switch heating and cooling to a heat pump (electrification)Energy · typical recoup 72% at resale72%
A heat pump heats and cools the home with one electric system.
No federal tax credit for new installs: the 25C credit covered improvements made through December 31, 2025. Check your state energy office and utility for rebates.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: IRS: Energy Efficient Home Improvement Credit (25C) for improvements made through December 31, 2025 · retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.No federal tax credit for new installs: the 25C credit covered improvements made through December 31, 2025. Check your state energy office and utility for rebates.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $19,484Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Finish the basementSpace · typical recoup 71% at resale71%
Turning a basement into living space adds room inside the house you already own.
New to the report in 2025; Zonda found basement remodels the most consistent of the new projects across the country.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: Zonda 2025 Cost vs. Value Report: national averages, top 10 projects · 2025 report, published 2025-09-18 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.New to the report in 2025; Zonda found basement remodels the most consistent of the new projects across the country.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $52,012Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Replace the roof (asphalt shingles)Systems · typical recoup 68% at resale68%
A sound roof protects everything under it.
After painting, new roofing was the project agents most often suggested before selling (37%) in NAR's 2025 survey.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: NAR 2025 Remodeling Impact Report (projects agents recommend before selling) · April 2025 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.After painting, new roofing was the project agents most often suggested before selling (37%) in NAR's 2025 survey.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $31,871Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Bathroom remodel for accessibility (universal design)Bath · typical recoup 61% at resale61%
A bath anyone can use, at any age, lets you stay in the home longer.
National average from a survey of real estate professionals; your market and the product you pick change the result.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.National average from a survey of real estate professionals; your market and the product you pick change the result.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $42,183Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Major kitchen remodel (midrange)Kitchen · typical recoup 51% at resale51%
A full remodel can change how the kitchen works for the way you cook and live.
About half the cost came back at resale nationally, so it pays most in how you live, not in sale price.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.About half the cost came back at resale nationally, so it pays most in how you live, not in sale price.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $82,793Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Build a backyard patioOutdoor · typical recoup 46% at resale46%
A finished patio makes the yard a place to cook, eat and gather.
Less than half the cost came back at resale nationally; build it for your own use.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.Less than half the cost came back at resale nationally; build it for your own use.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $51,454Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Install rooftop solar panelsEnergy · typical recoup 30% at resale30%
Panels can lower your electric bills; the payback depends on your utility's rates and rules.
One of the lowest resale paybacks in the 2025 report, and the federal 25D credit isn't available for systems placed in service after December 31, 2025.
Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)Source: IRS: Residential Clean Energy Credit (25D) not available for property placed in service after December 31, 2025 · retrieved 2026-10-09 (opens in a new tab)EstimateNational average cost (2025) for one sample project, not a quote for your home.One of the lowest resale paybacks in the 2025 report, and the federal 25D credit isn't available for systems placed in service after December 31, 2025.Source: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler) · 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab) $55,937Est.EstimateZonda/JLCSource: Zonda/JLC 2025 Cost vs. Value Report: national averages for all 28 projects (as printed in the East North Central regional report; copy hosted by a remodeler), 2025 report, national averages column; retrieved 2026-10-09 (opens in a new tab)
Typical national costs and resale recoup from the cited report; your bids and your market will differ.
Monthly and cash cost
Monthly housing payment (est.)
Estimate20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $1,521 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down. Not included: upkeep, utilities, flood insurance, special assessments.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey, week of Sep 24, 2026 · Sep 24, 2026 (opens in a new tab)≈ $1,882
Cash needed in total (est.)
EstimateA 20% down payment, closing costs, prepaids and the planned Homiy fee, deposits included.Not included: a home inspection, moving, immediate repairs, or reserves a lender may want you to keep after closing.≈ $68,168
What can change after year 1Tax, insurance, mortgage insurance and escrow
The monthly figure is a year-1 estimate. These move it later.
Property taxRule
The seller pays $2,100 a year today (sample listing); you'd pay about $3,305 (1.16% of the price): California resets the assessment to the price when a home sells (Prop 13). Your lender sets escrow from the bills it knows, which at first can be the seller's lower bill, so the payment can rise at the first yearly review. After you buy, the county also sends one or two supplemental tax bills for the difference between the seller's assessment and your price, for the rest of the tax year. They come to you, not to your lender's escrow account, so set the money aside (Los Angeles County Treasurer and Tax Collector). CountySource: County of Kern, tax rates and assessed valuations 2025-26, FY 2025-26 (opens in a new tab) 12Source: 12 CFR 1024.17 (Regulation X): escrow accounts, cushions, shortages and surpluses, retrieved 2026-10-09 (opens in a new tab)
Home insuranceEst.Estimate
Year 1 uses ≈ $1,022 a year ($820–$1,330, not a quote). Insurers re-price at every renewal: the U.S. average premium on mortgaged homes rose 14% in 2024. Insurers didn't renew 1.4% of homeowners policies in ZIP 93301 in 2022. ICESource: ICE Mortgage Monitor: the average premium on mortgaged single-family homes rose 14% to $2,290 in 2024, March 3, 2025 (opens in a new tab) U.S.Source: U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate), 2018–2022 (published January 2025) (opens in a new tab)
Mortgage insuranceRule
With less than 20% down on a conventional loan, it's in the payment until it ends. You can ask your lender in writing to cancel it once your balance is scheduled to reach 80% of the home's original value (the lower of the price and the appraisal), with a good payment record; it ends automatically at 78% if you're current on payments (CFPB). CFPBSource: CFPB: When can I remove private mortgage insurance (PMI) from my loan?, reviewed 2026-08-28; retrieved 2026-10-09 (opens in a new tab) 12Source: 12 U.S.C. §4901 (Homeowners Protection Act of 1998): definitions, retrieved 2026-10-09 (opens in a new tab) 12Source: 12 U.S.C. §4902: termination of private mortgage insurance, retrieved 2026-10-09 (opens in a new tab)
EscrowRule
If your loan has an escrow account, your servicer reviews it once a year and resets the monthly deposit to the coming year's tax and insurance bills, so the payment follows them. 12Source: 12 CFR 1024.17 (Regulation X): escrow accounts, cushions, shortages and surpluses, retrieved 2026-10-09 (opens in a new tab)
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If you offer: what usually happens next
Things to check
Built before 1978: possible lead-based paint.
Details
Federal law requires the seller's lead-based paint disclosure and gives you 10 days to test for it (you can waive that). It matters most if you plan to sand, scrape or renovate.
Property tax goes up after a sale.
Details
The seller pays $2,100 a year today (sample listing); you'd pay about $3,305 (1.16% of the price): California resets the assessment to the price when a home sells (Prop 13). CountySource: County of Kern, tax rates and assessed valuations 2025-26, FY 2025-26 (opens in a new tab)
Check FEMA's flood map for this address. Most homeowners policies exclude flood damage.
Details
ZIP 93301: 20 federal flood policies in force and 7 claims since 2000. FEMA rates Kern County, CA's expected yearly losses from inland flooding Relatively High, compared with other U.S. counties (the county, not this home). FEMA flood mapSource: FEMA Flood Map Service Center, retrieved 2026-10-09 (opens in a new tab) OpenFEMA policiesSource: FEMA, OpenFEMA API: NFIP Redacted Policies, version 3 (policies in force). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)., in force Jun 30, 2026; data refreshed 2026-07-27; accessed 2026-09-27 (opens in a new tab) OpenFEMA claimsSource: FEMA, OpenFEMA API: NFIP Redacted Claims, version 3 (claims since 2000). This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s)., data refreshed 2026-08-04; accessed 2026-09-27 (opens in a new tab)
This product uses the Federal Emergency Management Agency’s OpenFEMA API, but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).
Earthquake damage needs its own coverage.
Details
Standard homeowners policies exclude earthquake damage; it takes an endorsement or a separate policy. FEMA rates Kern County, CA's expected yearly earthquake losses Relatively High (the county, not this home). California EarthquakeSource: California Earthquake Authority: homeowners policies, retrieved 2026-10-09 (opens in a new tab)
Get insurance quotes early.
Details
Insurers didn't renew 1.4% of homeowners policies in ZIP 93301 in 2022 (U.S. Treasury, Federal Insurance Office). U.S.Source: U.S. Treasury, Federal Insurance Office: Analyses of U.S. Homeowners Insurance Markets, 2018–2022, Supporting Underlying Metrics by ZIP code (premiums per policy, nonrenewal rate), 2018–2022 (published January 2025) (opens in a new tab)
Set aside ≈ $1,710–$4,270 a year for upkeep.
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New owners of homes built before 1950 spent a median 1.5% of the home's value a year on upkeep in the Census Bureau's 2021 survey; long-time owners 0.6%. Not part of the monthly payment. Census BureauSource: Census Bureau, “Cost of Improving and Maintaining Older Homes Higher for New Owners” (2021 American Housing Survey), Oct 12, 2023 (opens in a new tab)
For a house built in 1919
Ask the age of the roof, the heating and cooling, the water heater and the electrical panel.
Details
A home inspector estimates how much useful life the major systems have left and what needs repair or replacement. If you ask for an inspection early, you may be able to make the contract depend on its results. HUD/FHASource: HUD/FHA, “For Your Protection: Get a Home Inspection” (form HUD-92564-CN), retrieved 2026-09-27 (opens in a new tab)
Ask whether the sewer line has been inspected or replaced. It runs from the house to the street.
Details
Ask the city’s sewer utility which part of it the owner maintains.
Ask whether additions, a finished basement or a big remodel had building permits.
Details
Ask the seller, and look up the address’s permit history with the city or county building department.
Ask for any radon test results.
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EPA recommends knowing the radon level of any home you consider buying; EPA and the Surgeon General recommend testing all homes below the third floor. EPASource: EPA, Home Buyer’s and Seller’s Guide to Radon (EPA 402/K-24/001), revised 2024, retrieved 2026-09-27 (opens in a new tab)
Planning to remodel? Have an accredited inspector check for asbestos first.
Details
EPA advises it before remodeling or when materials are damaged; you can't tell by looking. EPASource: U.S. EPA, Protect Your Family from Exposures to Asbestos, updated June 25, 2026, retrieved 2026-10-09 (opens in a new tab)
Do your final walkthrough. Bring the repair list and receipts.
Details
Run the water, heat, cooling and appliances. Look for new damage from the move-out. Freddie MacSource: Freddie Mac My Home: Closing your home purchase, retrieved 2026-10-09 (opens in a new tab)
Location
Metropolitan Recreation Center
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: U.S. Census Bureau, TIGER/Line 2026 area landmarks (parks) · 2026 files, retrieved 2026-10-09 (opens in a new tab) 2-min walk · 116 acres
Kern River Parkway Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: USGS Protected Areas Database of the United States (PAD-US) 4.1 · PAD-US 4.1, queried 2026-10-09 (opens in a new tab) 12-min walk · 1,156 acres
Uplands of the Kern River Parkway Park
EstimateStraight-line distance to the park's edge at 3 mph × 1.3, not a routed walk.Source: USGS Protected Areas Database of the United States (PAD-US) 4.1 · PAD-US 4.1, queried 2026-10-09 (opens in a new tab) 13-min walk · 23 acres
Bakersfield City Hall North
EstimateStraight line from the home to Bakersfield City Hall North, 1600 Truxtun Ave, Bakersfield, CA 93301. Not a driving distance.Source: City of Bakersfield: City Manager's memo of June 17, 2022 (City Hall North, 1600 Truxtun Avenue) · retrieved 2026-10-09 (opens in a new tab) 1.2 mi to downtown
Flood zoneFEMA flood mapSource: FEMA Flood Map Service Center, retrieved 2026-10-09 (opens in a new tab)
Look up this address on FEMA's flood map.
Kern County, CA hazard ratingsFEMA NRISource: FEMA National Risk Index December 2025: Expected Annual Loss rating of each hazard, by county, NRI December 2025 (opens in a new tab)
Earthquake: Relatively High · Wildfire: Relatively High · Inland flooding: Relatively High. Expected yearly losses compared with other U.S. counties; the county, not this home.
Facts
- Type
- House
- Year built
- 1919
- Lot
- 5,950 sqft
- HOA dues
- None
- Property tax (current bill)
- $2,100/yr
- Zoning
- Single-family residential
- Days on market
- 43
- Listing brokerage
- Jacaranda & Grove Properties
- Price history
- Aug 14, 2026Listed$284,900(+$144,900)
- May 11, 2013Sold$140,000
More factsFewer facts
- Days on market
- 43
- Listing brokerage
- Jacaranda & Grove Properties
- Price history
- Aug 14, 2026Listed$284,900(+$144,900)
- May 11, 2013Sold$140,000
Listing broker's figures (sample listing). Not measured by Homiy.
Ask Homiy
$284,900
Estimate20% down · 30-year fixed at 7.03% (Freddie Mac average) · 360 monthly loan payments of $1,521 · APR not calculated (it depends on the lender's fees) · includes principal and interest, property tax, home insurance and any HOA dues, plus mortgage insurance below 20% down. Not included: upkeep, utilities, flood insurance, special assessments.7.03% is Freddie Mac's average 30-year fixed rate for the week of Sep 24, 2026, for buyers with 20% down and excellent credit. It isn't an offer or an APR.Source: Freddie Mac Primary Mortgage Market Survey, week of Sep 24, 2026 · Sep 24, 2026 (opens in a new tab) $1,882/mo