12190 Indian River
Apple Valley, CA, 92308
$750,000
MLS: HD26227500
Beds
4
Baths
3
Sq Ft
2,879
Lot
0.53 ac
Year Built
2003
MLS #
HD26227500
Days on Market
7
Listed
Nov 1, 2026
Description
Welcome to 12190 Indian River, Apple Valley! This property offers the perfect opportunity to enjoy the High Desert lifestyle with a desirable 0.53-acre lot and a private swimming pool—ideal for entertaining guests, hosting family gatherings, or relaxing on warm summer days. The expansive lot offers RV parking, and plenty of outdoor space with endless possibilities to personalize and create your own backyard retreat. Enjoy the privacy, room to spread out, and the freedom that comes with owning a larger property. Prime Apple Valley Location: Conveniently located in Spring Valley Lake near local shopping, dining, schools, and everyday amenities, with access to major roads for commuting throughout the High Desert. Spring Valley Lake offers a 200-acre private lake for boating, fishing, swimming, and water sports, along with a private beach, marina, parks, playgrounds, picnic areas, basketball and volleyball courts, and a dog park. Residents can also enjoy the equestrian center with horse stalls, riding arenas, a horse show ring, and designated bridle trails. Additional amenities include an 18-hole golf course, swimming pool, jacuzzi, fitness center, tennis, pickleball, racquetball, community event facilities, and 24-hour public safety patrol. It's a great community for anyone looking to enjoy an active lifestyle with plenty of outdoor recreation and recreational opportunities. Whether you’re looking for a place to call home or a property with room to make it your own, this home offers space, outdoor enjoyment, and the appeal of Apple Valley living. More Photos Coming Soon!
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Gabriel Banuelos · Realty ONE Group Empire
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$6,035
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $75,000 · Loan: $675,000
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,573
- Property tax (1.25%)
- $781
- Homeowners insurance
- $300
- Mortgage insurance
- $281
- HOA dues
- $100
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 $26,250 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
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