12320 Waynoka
Apple Valley, CA, 92308
$414,999
MLS: HD26073022
Beds
3
Baths
2
Sq Ft
1,451
Lot
0.41 ac
Year Built
1987
MLS #
HD26073022
Days on Market
11
Listed
Apr 9, 2026
Description
PAID OFF SOLAR.... WOW!! Welcome to your next home in the growing city of Apple Valley! Hot High Desert temps will be no problem when you can run the AC without worry knowing you have paid off Solar. This 3 bedroom, 2 bath home is perfectly located just off Bear Valley & Navajo. This offers easy access to shopping, dining, schools and the freeway. Step inside to a cozy living room featuring a warm fireplace, perfect for relaxing evenings. The Living room is open to a charming dining area with beautiful brick flooring that adds character and style & The kitchen with updated canned lighting along with plenty of cabinet space. Down the hall, you’ll find spacious bedrooms complete with ceiling fans, along with an updated master shower and convenient indoor laundry. Do you love to entertain outside? This home has the space for it. Step outside to the backyard with a large covered patio & two included sheds. This backyard has so much space for whatever your goals are. So if thats entertaining outdoors, space to add a pool or just more room for storage than there is a ton of room for all your backyard dreams to come true. Do not miss out on calling this home yours. A MUST SEE—this one won’t last long!
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Nicole Luna · Realty ONE Group Empire
Payment estimate
$3,183
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,500 · Loan: $373,499
- Principal & Interest
- $2,295
- 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 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 $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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