12744 Tate Rd
Apple Valley, CA, 92307
$554,900
MLS: HD26063621
Beds
4
Baths
2
Sq Ft
1,857
Lot
1.10 ac
Year Built
2026
MLS #
HD26063621
Days on Market
1
Listed
Mar 24, 2026
Description
Brand-new construction on 1.1 acres with beautiful desert and mountain views! This 1,857 sq ft home features 4 bedrooms, 2 bathrooms, and a split floor plan for added privacy. Enjoy peaked ceilings, concrete floors, and quartz countertops throughout. The spacious primary suite offers a walk-in closet and a separate tub and shower. Includes paid solar with battery, landscaped front yard, and a 2-car garage. Conveniently located near schools and shopping—perfect for comfortable desert living!
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Madison Ehart · Coldwell Banker Home Source
Payment estimate
$4,155
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $55,490 · Loan: $499,410
- Principal & Interest
- $3,068
- Property tax (1.25%)
- $578
- Homeowners insurance
- $300
- Mortgage insurance
- $208
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 $19,422 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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