12279 Atoka Lane
Victorville, CA, 92392
$435,000
MLS: 26634191PS
Beds
4
Baths
3
Sq Ft
2,326
Lot
0.17 ac
Year Built
1993
MLS #
26634191PS
Days on Market
74
Listed
Jan 6, 2026
Description
Welcome to 12279 Atoka Ln, a well-maintained single-story home located in a quiet Victorville neighborhood. This property features a functional and open floor plan with abundant natural light, a spacious kitchen with ample cabinetry, and a comfortable living area ideal for everyday living and entertaining. The home offers generously sized bedrooms, including a primary suite with private bath. An attached multi-car garage provides convenient parking and storage. The low-maintenance desert landscaping enhances curb appeal. Conveniently located near schools, shopping, dining, and with easy access to I-15, this home offers both comfort and accessibility
Location
Victorville, San Bernardino County, CA 92392
Open on Google Maps ↗Listed by: Chris Dodge · AACAL
Payment estimate
$3,322
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $43,500 · Loan: $391,500
- Principal & Interest
- $2,405
- Property tax (1.25%)
- $453
- Homeowners insurance
- $300
- Mortgage insurance
- $163
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 Victorville home with as little as 3.5% down using an FHA loan — roughly $15,225 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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