12920 Choco
Apple Valley, CA, 92308
$750,000
MLS: HD26061230
Beds
3
Baths
3
Sq Ft
2,432
Lot
0.51 ac
Year Built
1997
MLS #
HD26061230
Days on Market
22
Listed
Mar 20, 2026
Description
Former model home on a half-acre corner lot with a backyard that completely sets it apart. Located just off Sitting Bull near Jess Ranch, shopping, and well-rated schools—with no HOA. Offered for the very first time, this well-maintained custom home has been lovingly cared for by just one family! This 3 bed, 3 bath, 2,432 sq ft home has been thoughtfully upgraded throughout and designed for real use. The backyard is the centerpiece: a saltwater pool and spa with rock waterfall and slide, baja shelf, palapa-covered lounging areas, three covered patios (including a slate-tiled main space), and an outdoor kitchen built for everyday living and hosting. Solar thermal collectors help maintain pool temperature efficiently. Inside, the layout was opened up (permitted) for a more connected flow, while still offering a separate bedroom with private entrance and direct garage access—ideal for multigenerational living, guests, or a private workspace. The kitchen features oak cabinetry, HanStone countertops (heat-resistant), and high-end KitchenAid and Electrolux Icon appliances—all included. The primary suite was extensively upgraded (over $70K invested) to create a true retreat within the home. Featuring bamboo flooring, custom cherry poplar walk-in closets, and a private ensuite with travertine flooring and walls, a porcelain shower with stone flooring, and a slate stone accent wall, the space balances warmth, function, and intentional design. A dedicated toilet room, separated by a hickory door, and natural wood finishes in hickory and pine carry that same level of detail throughout. Additional features include travertine flooring in the main living areas, bamboo flooring in select rooms, crown molding, plantation shutters, Bohemian crystal chandeliers, a Pentair whole-home carbon filtration system, and 30 paid-off solar panels. Please allow a minimum of 2 hours’ notice for showings.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Erica Mitchell · Keller Williams High Desert
Payment estimate
$5,510
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $75,000 · Loan: $675,000
- Principal & Interest
- $4,147
- Property tax (1.25%)
- $781
- Homeowners insurance
- $300
- Mortgage insurance
- $281
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 $26,250 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.
Similar Homes Nearby
Active and pending listings in ZIP 92308 (Apple Valley) within ±10% of this home's price and size.
Local Market Stats
See Apple Valley, CA 92308 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
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.