13776 Natoma Road
Apple Valley, CA, 92307
$585,000
MLS: HD25155170
Beds
4
Baths
3
Sq Ft
2,000
Lot
2.30 ac
Year Built
2004
MLS #
HD25155170
Days on Market
278
Listed
Jul 10, 2025
Description
Tucked away in the quiet outskirts of Apple Valley, this 2,000 sq ft desert gem sits on 2.3 acres of wide-open space, just off the pavement, with room to roam and views that’ll stop you in your tracks & a Massive 1950 square foot additional detached garage to park all your toys and projects in. This big ol garage has its very own bathroom, septic system, is ADU ready & it has solar! In this beautiful home you'll find a well-laid-out 4-bedroom, 2.5-bath home with a smart split floor plan—master suite on one side, the other three bedrooms on the other. Vaulted ceilings give the whole place an open, airy vibe. The indoor laundry room is tucked just off the attached 3-car garage (yep, with its own half bath—super convenient!). The front porch on this beauty is made for rocking chairs, slow mornings & a nice cup of coffee, while the shaded back patio is perfect for BBQs and watching the sun dip behind the mountains. Got animals? Bring 'em all! There's space for livestock, plus electric already run to the hay shed and storage container. Hosting guests with RVs? We’ve got hookups ready to go. Whether you’ve got toys, tools, or big ol' dreams— This home is ready for it all. Big skies, mountain views, and the kind of peace that only the desert can offer. This one’s got soul—Come see it for yourself!
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Leanne Minyard · Coldwell Banker Home Source
Payment estimate
$4,364
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,500 · Loan: $526,500
- Principal & Interest
- $3,235
- Property tax (1.25%)
- $609
- Homeowners insurance
- $300
- Mortgage insurance
- $219
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 $20,475 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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