13114 Choco
Apple Valley, CA, 92308
$589,900
MLS: HD26083458
Beds
4
Baths
3
Sq Ft
2,449
Lot
0.63 ac
Year Built
1985
MLS #
HD26083458
Days on Market
1
Listed
Apr 19, 2026
Description
Space, flexibility, and major upgrades—this Apple Valley property is packed with opportunity. With potential for up to 7 bedrooms and 5 baths, the layout is ideal for multigenerational living, rental potential, or anyone needing room to spread out. The open floor plan connects multiple living areas, now enhanced with new recessed lighting for a clean, modern feel. Big-ticket improvements include a newer 5-ton A/C system, paid-off solar, and an EV charging outlet—helping keep utility costs down. The fully gated lot features motorized entry, RV parking, a circular driveway, and plenty of usable outdoor space with a covered patio, fruit trees, and mountain views. Per owner, ADU approval adds even more upside for future income or expansion. A rare combination of size, function, and long-term potential.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Keith Liverman · Century 21 Masters
Payment estimate
$4,398
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,990 · Loan: $530,910
- Principal & Interest
- $3,262
- Property tax (1.25%)
- $614
- Homeowners insurance
- $300
- Mortgage insurance
- $221
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 $20,647 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.
$539,000
20592 Mockingbird Avenue
Apple Valley, 92308
$540,000
11002 Dandelion Lane
Apple Valley, 92308
$545,900
12574 Sarsi Court
Apple Valley, 92308
$549,900
11935 Wapato Road
Apple Valley, 92308
$549,990
21189 Colombard
Apple Valley, 92308
$550,000
11090 Dandelion Ln
Apple Valley, 92308
★#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.