12850 Bermuda Dunes Drive
Victorville, CA, 92395
$368,000
MLS: OC26021571
Beds
4
Baths
2
Sq Ft
1,860
Lot
0.17 ac
Year Built
1979
MLS #
OC26021571
Days on Market
138
Listed
Jan 29, 2026
Description
A Rare Opportunity in Spring Valley Lake! Uncover the potential of this 4-bedroom, 2-bathroom home located in the highly desirable Spring Valley Lake community. Offering approximately 1,860 square feet of living space, the home features a spacious vaulted great room that enhances the open, light-filled layout. While the property is ready for some updating, it provides a wonderful opportunity to personalize and create a home tailored to your vision. Residents of Spring Valley Lake enjoy access to an exceptional array of amenities, including a private lake, beach area, marina, parks, and year-round recreational activities. Additional features include a clubhouse, fitness center, and optional golf course membership. Ideally situated in a peaceful neighborhood yet conveniently close to shopping, dining, and entertainment, this home offers both comfort and convenience. With underground utilities, a standard lot, and a 2-car attached garage, this property represents an excellent value in a sought-after community. Don’t miss this opportunity—schedule your private showing today.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Antoine Tran · Brightline Capital Group
Payment estimate
$3,059
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $36,800 · Loan: $331,200
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,098
- Property tax (1.25%)
- $383
- Homeowners insurance
- $300
- Mortgage insurance
- $138
- HOA dues
- $140
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 $12,880 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
Only large teams outsell Mike Watson · Keller Williams Realty
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