12825 Bermuda Dunes
Victorville, CA, 92395
$445,000
MLS: IV26174801
Beds
3
Baths
2
Sq Ft
2,332
Lot
0.17 ac
Year Built
1984
MLS #
IV26174801
Days on Market
23
Listed
Aug 20, 2026
Description
CHARMING HOME IN SPRING VALLEY LAKE. Charming 3-bedroom, 2-bathroom home offering approximately 2,333 square feet of living space on a nearly 7,500-square-foot lot. Located in the desirable Spring Valley Lake community, this inviting home features an attached 2-car garage, granite countertops, wood flooring, custom interior paint, and attractive low-maintenance rock landscaping accented by mature shrubs and trees. Conveniently located near Victor Valley College, shopping, dining, and other local amenities. Spring Valley Lake offers an exceptional lifestyle with a 200-acre waterski lake, marina with fuel, swimming beach, community building, three parks, fourteen fishing areas, and an equestrian center. The community is also surrounded by a Robert Trent Jones-designed 18-hole golf course. Additional amenities, including tennis, racquetball, a fitness center, swimming pool, sauna, and more, are available through private country club membership. With a low property tax rate, this home presents a wonderful opportunity to own in one of the High Desert’s most desirable communities! More professional photos to come .
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: HENRY TRAN · RE/MAX TIME REALTY
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$3,668
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $44,500 · Loan: $400,500
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,600
- Property tax (1.25%)
- $464
- Homeowners insurance
- $300
- Mortgage insurance
- $167
- HOA dues
- $137
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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
About the area · Mike Watson
About the Antelope Valley
The Antelope Valley spans Lancaster, Palmdale, Quartz Hill, Rosamond, Lake Los Angeles, California City, Edwards AFB, and the Plant 42 aerospace corridor. Mike Watson is a lifelong AV resident and the #1 producing individual Realtor in the region by transaction count. Every active listing on this site is paired with a free market analysis tailored to the specific street, honest financing guidance (FHA, VA, USDA, CalHFA, conventional, and assumable loans where the financing supports it), and side-by-side comparisons against the rest of the active inventory in your target ZIP.
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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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.
★#1 Producing Individual Realtor — Antelope Valley
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