11852 Jamacha Road
Apple Valley, CA, 92308
$495,000
MLS: HD26048125
Beds
4
Baths
3
Sq Ft
2,348
Lot
0.41 ac
Year Built
1990
MLS #
HD26048125
Days on Market
33
Listed
Mar 4, 2026
Description
Two homes on one lot! The main home welcomes you through a spacious double door entry into an open layout connecting the living room, dining area, and kitchen. Pony walls provide separation while maintaining an open and functional flow. A step-down family room features a wood burning fireplace insert. The kitchen and dining area offer plenty of space for everyday living and gatherings, and the bedrooms are comfortably sized. Interior features include an indoor laundry room located just off the attached two car garage. The home has seen many updates over the years including windows and exterior doors replaced in 2016, electrical panel replaced in 2017, tankless water heater installed in 2020, laminate flooring, stainless steel appliances, updated fascia, patio cover, solar, and a new roof installed in 2023, water softener, septic tank in 2023. The guest home offers a functional layout, carpet and vinyl flooring, central heat and air, a full bathroom, and a walk in closet. The property sits on a fully fenced and cross fenced lot with a drive gate, low maintenance rock landscaping in the front, additional parking in the back, and a detached RV garage/workshop built in 2015. There is also room to add additional storage if desired. Conveniently located near schools, shopping, and restaurants at Jess Ranch Marketplace.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Christian Galvan · 1st Class RealEstate Mavericks
Payment estimate
$3,738
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,500 · Loan: $445,500
- Principal & Interest
- $2,737
- Property tax (1.25%)
- $516
- Homeowners insurance
- $300
- Mortgage insurance
- $186
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 $17,325 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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