11984 Cottonwood
Hesperia, CA, 92345
$415,000
MLS: IV26126889
Beds
3
Baths
2
Sq Ft
1,476
Lot
0.68 ac
Year Built
1980
MLS #
IV26126889
Days on Market
1
Listed
Jun 11, 2026
Description
Welcome to 11984 Cottonwood! This charming property offers a rare opportunity with over half an acre of flat, usable land—perfect for creating your dream backyard, adding a pool, storing recreational vehicles, or exploring the potential for an ADU (Accessory Dwelling Unit). With plenty of space and endless possibilities, this property combines comfort, flexibility, and future value. Don't miss your chance to own a home with room to grow!
Location
Hesperia, San Bernardino County, CA 92345
Open on Google Maps ↗Listed by: SARA GRIDER · POWER OF 2 REALTY
Payment estimate
$3,254
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,500 · Loan: $373,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,366
- 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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 Hesperia 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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Local Market Stats
See Hesperia, CA 92345 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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