13114 Choco
Apple Valley, CA, 92308
$569,000
Original list price: $589,900
MLS: HD26083458
Beds
4
Baths
3
Sq Ft
2,449
Lot
0.63 ac
Year Built
1985
MLS #
HD26083458
Days on Market
56
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
$4,350
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $56,900 · Loan: $512,100
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,244
- Property tax (1.25%)
- $593
- Homeowners insurance
- $300
- Mortgage insurance
- $213
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 Apple Valley home with as little as 3.5% down using an FHA loan — roughly $19,915 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 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
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