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8304 Swarthmore St #3008A, Bakersfield, CA, 93307

4beds
2baths
0sqft
$412,990
--price/sqft
$2,930/moest. monthly cost
$117,200/yrincome needed

About This Home

The Adams is a single-story, four-bedroom, two-bath home with approximately 1,509 square feet of versatile living space. An open-concept great room connects effortlessly to the kitchen and dining area, creating a perfect space for gathering. The kitchen is equipped with quartz countertops, shaker-style cabinets, a large island with snack bar, walk-in pantry, and Whirlpool® stainless-steel appliances. The primary suite is tucked off the great room and features dual vanities and a generous walk-in closet. Three additional bedrooms, a full bathroom, and an indoor laundry area offer flexibility for families, guests, or a home office.

Getting Around

11
WalkingCar-Dependent
14
TransitMinimal Transit
26
BikeSomewhat Bikeable

Schools

3/10
Fairfax Middle SchoolGrades 5-80.5 mi
3/10
Mira Monte High SchoolGrades 9-120.3 mi
5/10
Zephyr Lane ElementaryGrades K-60.9 mi

Construction

Condition

  • Year built: 2026

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 2

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total structure area: 0

Property

Details

  • Zoning: R1
  • Zoning description: R1

Features

  • Levels: One
  • Stories: 1
  • Pool features: None

Lot

  • Lot size: 6,050 sqft

Parking

  • Total spaces: 2
  • Parking features: 2 Car Garage
  • Has garage: Yes
  • Attached garage 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

  • Heat Wave
    Heat WaveRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Heat Wave
Earthquake

FEMA Declared Disasters in Kern County and California

Earthquake
Fire
Flood
Hurricane
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 $2,088$25,056
Home Insurance *$138$1,656
Property Taxes $306$3,672
Electricity $398$4,786
Total$2,930$35,160
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$100,457/yr
40% on housing$87,900/yr
45% on housing$78,133/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: 9.8%
9.8%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 2.2%
2.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

--This listing

vs Other Active Listings

Avg $/sqft

ZIP 93307$195
Kern County$201

vs Homes Sold Last Month

Median $/sqft

ZIP 93307$236
Kern County$233

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)

No zestimate history available

Price History

DateEventPrice
2026-08-10Pending sale$412,990
2026-07-08Listed for sale$412,990

For Sale by Agent

AgentDaniel Ray Garcia
BrokerageD.R. Horton

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