10970 Merino
Apple Valley, CA, 92308
$415,000
MLS: HD26059180
Beds
3
Baths
2
Sq Ft
1,441
Lot
0.41 ac
Year Built
1985
MLS #
HD26059180
Days on Market
7
Listed
Mar 19, 2026
Description
Spacious 3-bedroom, 2-bath home on a ½-acre fully fenced lot! This beautifully updated home features a cozy fireplace, tile flooring in the living areas, and a walk-in closet in the primary bedroom. The kitchen is equipped with stainless steel appliances, including a refrigerator, and plenty of storage. Step outside to a covered patio, perfect for entertaining, plus a backyard shed for extra storage. With room to roam on the large fenced lot, this home is ideal for outdoor living. Call for a private showing!!
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Kari Leon · Coldwell Banker Home Source
Payment estimate
$3,183
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,500 · Loan: $373,500
- Principal & Interest
- $2,295
- Property tax (1.25%)
- $432
- Homeowners insurance
- $300
- Mortgage insurance
- $156
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 Apple Valley home with as little as 3.5% down using an FHA loan — roughly $14,525 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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