13640 Spring Valley
Victorville, CA, 92395
$400,000
Original list price: $425,000
MLS: CV26080407
Beds
3
Baths
3
Sq Ft
1,799
Lot
0.18 ac
Year Built
1982
MLS #
CV26080407
Days on Market
43
Listed
Apr 16, 2026
Description
This inviting residence offers 3 bedrooms and 2.5 bathrooms, featuring a warm and functional layout highlighted by a charming fireplace that creates a cozy focal point in the living area. Enjoy serene lake views from the spacious balcony, perfectly positioned just one block from the water—an ideal spot to relax and take in the surroundings. This beautiful two-story home located in the highly desirable Spring Valley Lake Association in Victorville, CA. Enjoy serene lake views from the spacious balcony, perfectly positioned just one block from the water—an ideal spot to relax and take in the surroundings. amenities including boating and fishing on the lake, scenic hiking trails, a swimming pool and spa, picnic areas, and a clubhouse for community events.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Dennyse Rosas Sandoval · CENTURY 21 SYNERGIA REALTY
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$3,301
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $40,000 · Loan: $360,000
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,294
- Property tax (1.25%)
- $417
- Homeowners insurance
- $300
- Mortgage insurance
- $150
- 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 Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
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 $14,000 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
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