12634 Spring Valley Parkway
Victorville, CA, 92395
$545,000
MLS: HD26026204
Beds
3
Baths
2
Sq Ft
2,043
Lot
0.16 ac
Year Built
2019
MLS #
HD26026204
Days on Market
75
Listed
Feb 4, 2026
Description
Welcome to life in Spring Valley Lake, where every day feels like a getaway and neighbors truly become friends. This vibrant, gated lake community offers residents access to a private swim beach, scenic parks, fishing, and festive holiday events throughout the year. For those seeking even more amenities, optional country club membership provides golf, dining, and additional social perks that make this neighborhood one of the High Desert’s most desirable places to live. Perfectly positioned on the golf course, this move-in-ready home offers a circle driveway, a spacious three-car garage, and a backyard patio designed for effortless entertaining with views that set the tone for relaxed evenings and weekend gatherings. Inside and out, the home is designed for comfort, functionality, and easy living. Centrally located in Victorville, Spring Valley Lake is close to well-regarded schools, shopping, dining, and everyday conveniences, with the freeway just 15 minutes away—making commuting and weekend getaways simple. This is more than a home; it’s a lifestyle where community, recreation, and convenience come together beautifully.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Nicole Allen · Realty ONE Group Empire
Payment estimate
$4,086
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $54,500 · Loan: $490,500
- Principal & Interest
- $3,014
- Property tax (1.25%)
- $568
- Homeowners insurance
- $300
- Mortgage insurance
- $204
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 $19,075 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 Victorville, CA 92395 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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