12637 Madrona
Victorville, CA, 92394
$445,000
MLS: CV26031076
Beds
4
Baths
3
Sq Ft
2,897
Lot
0.17 ac
Year Built
2006
MLS #
CV26031076
Days on Market
49
Listed
Feb 10, 2026
Description
Located in a desirable and quiet neighborhood of Victorville, this spacious two-story pool home presents an outstanding opportunity for buyers seeking value and long-term upside. With a thoughtful open-concept layout, the home is ideal for larger family gatherings and comfortable everyday living. The kitchen offers abundant storage and granite countertops, providing a strong foundation for customization and enhancement. A generously sized ground-floor bedroom serves perfectly for guests, extended family, or private quarters. Step outside to a sizable backyard with mature shade and a sparkling pool—an inviting setting for summer entertaining and outdoor enjoyment. Solar panels help maintain energy efficiency and reduce utility costs. While the property does require tender loving care, it offers tremendous potential to transform into an elegant and refined residence. With vision and updating, this home can truly shine. A rare chance to create lasting value—don’t miss this opportunity.
Location
Victorville, San Bernardino County, CA 92394
Open on Google Maps ↗Listed by: Jorge Leal · EXP REALTY OF CALIFORNIA INC
Payment estimate
$3,391
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,500 · Loan: $400,500
- Principal & Interest
- $2,461
- Property tax (1.25%)
- $464
- Homeowners insurance
- $300
- Mortgage insurance
- $167
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 $15,575 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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