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630 Acoma St, Needles, CA, 92363

5beds
4baths
1,534sqft
$289,000
$188price/sqft
$2,486/moest. monthly cost
$99,440/yrincome needed

About This Home

Opportunity meets versatility with this unique corner-lot property in Needles, California! This well-maintained single-family home features 3 bedrooms, 2 bathrooms, and a spacious living room perfect for relaxing or entertaining. Full of charm and solid bones, the home offers a great opportunity for a buyer to add modern updates and personal touches to truly make it shine. A large garage provides plenty of room for vehicles, storage, hobbies, or workspace needs. What makes this property even more special is the additional duplex located on-site. Each unit offers 1 bedroom, 1 bathroom, plus its own kitchen, dining, and living area—ideal for rental income, multi-generational living, guests, or extended family. Situated on a corner lot, the duplex has its own separate entrance from one street, while the main home enjoys private access from the other, creating convenience and privacy for both spaces. Whether you’re looking for an investment opportunity, extra income potential, or a property with room for everyone, this one is packed with possibilities!

Getting Around

54
WalkingSomewhat Walkable
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

3/10
Needles Middle SchoolGrades 6-80.8 mi
4/10
Needles High SchoolGrades 9-120.7 mi

Construction

Condition

  • Year built: 1957

Materials

  • Foundation: Raised,Slab

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Electric Range,Microwave,Refrigerator,Water Heater,Dryer,Washer
  • Laundry features: Washer Hookup,Gas Dryer Hookup,In Garage

Bathroom

  • Features: Bathtub,Separate Shower,Tile Counters,Tub Shower,Walk-In Shower

Bedroom

  • Features: All Bedrooms Down

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 4
  • Full bathrooms: 4
  • Main level bathrooms: 4
  • Main level bedrooms: 5

Features

  • Breakfast Bar,Separate/Formal Dining Room,Partially Furnished,Storage,Tile Counters,All Bedrooms Down,Bedroom on Main Level,Utility Room
  • Window features: Blinds,Drapes
  • Flooring: Carpet,Laminate
  • Fireplace features: None
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 1,534 sqft

Kitchen

  • Features: Tile Counters

Property

Accessibility

  • Accessibility features: No Stairs,Accessible Doors

Details

  • Parcel number: 0186141180000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Entry location: 1
  • Pool features: None
  • Patio & porch: Concrete
  • Spa features: None
  • Fencing: Chain Link
  • Has view: Yes
  • View description: Neighborhood

Lot

  • Lot size: 9,735 sqft
  • Features: Back Yard,Corner Lot,Front Yard,Lawn,Street Level

Parking

  • Total spaces: 2
  • Parking features: Boat,Concrete,Door-Multi,Direct Access,Driveway,Garage Faces Front,Garage,Oversized,RV Access/Parking
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveModerate
  • Landslide
    LandslideModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Heat Wave
Landslide
Wildfire

FEMA Declared Disasters in San Bernardino County and California

Earthquake
Fire
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $1,461$17,532
Home Insurance *$315$3,780
Property Taxes $312$3,744
Electricity $398$4,786
Total$2,486$29,832
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$85,234/yr
40% on housing$74,580/yr
45% on housing$66,293/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.4%
10.4%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.6%
2.6%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$188This listing

vs Other Active Listings

Avg $/sqft

ZIP 92363$86
San Bernardino County$268

vs Homes Sold Last Month

Median $/sqft

ZIP 92363$111
San Bernardino County$319

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-04-14Listed for sale$299,000

For Sale by Agent

AgentKimberli Willis
BrokerageRiver Sisters Realty

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