12650 Cobalt
Victorville, CA, 92392
$450,000
MLS: CV26065637
Beds
3
Baths
3
Sq Ft
2,012
Lot
0.17 ac
Year Built
1990
MLS #
CV26065637
Days on Market
27
Listed
Mar 26, 2026
Description
Welcome to this beautiful two-story home located in one of Victorville’s fastest-growing and most desirable neighborhoods! This spacious property features 3 well-sized bedrooms plus a versatile den perfect for a home office, guest space, or additional living area. From the moment you enter, you’re greeted by soaring ceilings and an abundance of natural light, creating a bright, open, and inviting atmosphere. The dining area flows seamlessly, ideal for both entertaining and everyday comfort. The kitchen offers ample cabinetry, granite countertops, and a breakfast bar that opens to the family room. The open-concept layout continues into a cozy living space with a fireplace, perfect for relaxing evenings. The primary suite offers a private retreat with direct access to its own balcony, ideal for enjoying peaceful mornings or sunset views. The en-suite bathroom features dual sinks, a soaking tub, and a separate glass-enclosed shower. Find convenience with an individual laundry room, with a functional layout and storage. Step outside and experience the true highlight of this home, an expansive, beautifully designed backyard featuring custom stonework, mature landscaping, and a covered gazebo perfect for outdoor dining, entertaining, or creating your own private oasis. One of the standout features is the spacious 3-car garage with extended driveway parking, currently set up as a functional workspace/studio ideal for additional flex space (easily adaptable back to full garage use if desired). Conveniently located near shopping centers, restaurants, parks, schools, and the Mall of Victor Valley, with easy access to the I-15, 395, and 215 freeways for commuters, and near the approved Brightline West high-speed rail connecting Apple Valley to Las Vegas, bringing long-term value, increased demand, and exciting investment potential. Homes with this much versatility and outdoor space rarely come available. Welcome Home!
Location
Victorville, San Bernardino County, CA 92392
Open on Google Maps ↗Listed by: Faviola Nieves · PROSPERITY REAL ESTATE & ASSOC
Payment estimate
$3,426
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $45,000 · Loan: $405,000
- Principal & Interest
- $2,488
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 $15,750 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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