14640 Choco Lane
Apple Valley, CA, 92307
$715,000
MLS: HD26231598
Beds
3
Baths
3
Sq Ft
3,440
Lot
1.04 ac
Year Built
2005
MLS #
HD26231598
Days on Market
5
Listed
Oct 27, 2026
Description
Fantastic Apple Valley home, Golf course close, cul-de-sac location with an extra large lot, fully landscaped front and back with amazing patio areas for entertaining. Front covered portico and long concrete circle driveway and side entry 4 car garage, Block wall fencing make this a very special desert Knolls home in Apple Valley what a special treasure. Inside, massive gourmet kitchen with large pantry, upgraded appliances, huge kitchen island and cozy kitchen nook eating area overlooking the massive patios and back yard. Kitchen is open to the huge living room area with free standing fireplace. Home offers a split floorplan: one bedroom and bath next to kitchen side, an office/library just off entrance and 2 more bedrooms including the primary down the hall. Let's talk about the primary, 2 closets, huge primary bedroom with private entrance to private patio area, and OH my the primary bath is amazing. You have got to come see. Hurry to see as it will not last long on the market.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Beverly Bower · Coldwell Banker Home Source
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
$5,698
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $71,500 · Loan: $643,500
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,385
- Property tax (1.25%)
- $745
- Homeowners insurance
- $300
- Mortgage insurance
- $268
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 Oct 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
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 $25,025 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 92307 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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