14798 Keota Road
Apple Valley, CA, 92307
$400,000
MLS: HD26001546
Beds
4
Baths
2
Sq Ft
2,061
Lot
0.80 ac
Year Built
1958
MLS #
HD26001546
Days on Market
75
Listed
Jan 4, 2026
Description
Spacious single-story home set on a large, flat lot in a highly desirable Apple Valley neighborhood. The functional layout offers generous living areas ideal for both everyday comfort and entertaining. Thoughtful upgrades throughout the home add significant value, including new flooring installed in July 2023 and updated kitchen cabinetry completed in July 2023, creating a fresh, modern centerpiece for the home. The fourth bedroom features a private rear entrance and its own mini-split system installed in May 2023, making it perfect for guests, students, a home office, or multi-generational living. A second living room with a wood-burning stove provides a warm, inviting space that can easily be transformed into an entertainment or theater room. Major mechanical improvements provide peace of mind, with the HVAC system—including the furnace and exterior A/C condenser—fully replaced in Summer 2014. Solar panels were installed in December 2023 and are currently leased, offering enhanced energy efficiency and potential utility savings. The expansive lot allows ample space for RV parking, recreational vehicles, gardening, or future expansion. Additional features include a fireplace, attached garage, central heating and cooling, and included appliances (stove, microwave, and dishwasher). Conveniently located near schools, shopping, and major roadways within the Apple Valley Unified School District, this property presents an excellent opportunity for homeowners or investors seeking space, upgrades, and long-term value in the High Desert.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Mellisa Stevens · Realty ONE Group Empire
Payment estimate
$3,079
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,000 · Loan: $360,000
- Principal & Interest
- $2,212
- Property tax (1.25%)
- $417
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 $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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