11640 Pepper
Apple Valley, CA, 92308
(No pictures available yet)
$239,990
MLS: IV26102868
Beds
2
Baths
2
Sq Ft
996
Lot
0.06 ac
Year Built
1986
MLS #
IV26102868
Days on Market
1
Listed
May 12, 2026
Description
Relax in the Jess Ranch senior community of Apple Valley, 2-bedroom, 2-bath home on a corner lot & close to the Clubhouse. Roomy living and dining room combination. Sliding glass doors in both the living room and the primary bedroom lead to a private patio courtyard with a low masonry wall — perfect for entertaining while enjoying peaceful greenbelt views. The kitchen features a breakfast nook, laundry is located in the hallway near the second full bath. The generously sized primary suite offers: Walk-in closet Additional linen storage Direct patio access through sliding glass doors Community Amenities Residents of Jess Ranch enjoy: Gated security Community pool & tennis courts Greenbelts and walking paths New clubhouse proximity to shopping, dining, entertainment, and the scenic Mojave Riverwalk If you’re looking for low-maintenance living in an active adult community, this home is a must-see.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: JAMES BOOTH · BETTER HOMES AND GARDENS REAL ESTATE CHAMPIONS
Payment estimate
$1,987
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $23,999 · Loan: $215,991
- Principal & Interest
- $1,347
- Property tax (1.25%)
- $250
- Homeowners insurance
- $300
- Mortgage insurance
- $90
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 May 7, 2026
- 30-year fixed
- 6.37%
- 15-year fixed
- 5.72%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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 $8,400 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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Local Market Stats
See Apple Valley, CA 92308 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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