13311 Choco
Apple Valley, CA, 92308
$682,000
MLS: HD26033470
Beds
5
Baths
3
Sq Ft
3,456
Lot
0.46 ac
Year Built
2002
MLS #
HD26033470
Days on Market
34
Listed
Feb 13, 2026
Description
Spacious and thoughtfully designed, this 3,640 sq. ft. split floor plan home offers 5 bedrooms and 3 bathrooms on a generous 20,000 sq. ft. corner lot with beautiful southwest-facing views and exceptional curb appeal. A grand entrance welcomes you with a circular driveway and extensive concrete work, creating both convenience and an impressive first impression. The side-entry 4-car finished garage adds architectural appeal and includes built-in storage cabinets, garage door openers, and dedicated counter space ideal for workshop or hobby use. This home has been gently lived in and reflects pride of ownership throughout, showing no hard wear. Tile and carpeted flooring provide a balance of comfort and durability, while tile countertops in the kitchen, bathrooms, and laundry room offer style and easy maintenance. The expansive kitchen features a large center island, abundant cabinetry, and extensive pantry storage with pull-out shelving for easy access. It opens seamlessly to the great room, making it perfect for entertaining and everyday living. A cozy dining nook provides casual dining space, while the formal dining room is ideal for special gatherings. A separate office offers privacy and flexibility for remote work or study. The private primary suite serves as a true retreat with its own fireplace and direct access to the large covered patio—perfect for enjoying cool summer evenings. The primary bath includes dual vanities, a spacious accessible closet, private water closet, soaking tub, and an oversized double step-in shower. In addition to two generously sized secondary bedrooms with exterior access, the home includes two more comfortable secondary bedrooms, offering flexibility for family, guests, or additional workspace. Additional highlights include an indoor laundry room with storage, counter space, tile countertops, and a wet sink, along with abundant storage throughout. An RV gate provides secured behind-the-fence parking with electrical hookups. The backyard is thoughtfully designed for relaxation and entertaining, featuring a covered open-air cabana with solid flooring, a tranquil waterfall feature, a matching storage shed, and high privacy walls enhanced by mature foliage. Offered at a price aligned with current FHA loan limits for San Bernardino County, this home presents exceptional space, functionality, and value.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Fran Fox · Coldwell Banker Home Source
Payment estimate
$5,037
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $68,200 · Loan: $613,800
- Principal & Interest
- $3,771
- Property tax (1.25%)
- $710
- Homeowners insurance
- $300
- Mortgage insurance
- $256
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 $23,870 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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