15620 Ramona
Apple Valley, CA, 92307
$464,900
MLS: OC26077420
Beds
4
Baths
3
Sq Ft
2,134
Lot
1.00 ac
Year Built
1980
MLS #
OC26077420
Days on Market
10
Listed
Apr 10, 2026
Description
Fully renovated and move in ready on a full one acre lot in one of Apple Valley’s most established neighborhoods, this four bedroom, three bathroom single story home delivers space, upgrades, and real peace of mind. The property has been completely refreshed with a new kitchen, new bathrooms, new interior paint, and new exterior paint. A brand new septic system was installed last month, along with new HVAC and a new water heater. The heavy lifting is done. Inside, you will find over 2,100 square feet of open living space with a large family room, formal living room, dining area, and a kitchen built for everyday use. Clean finishes and modern fixtures carry throughout. The primary suite includes an updated bathroom and plenty of room to relax. Three additional bedrooms and two full bathrooms provide flexibility for family, guests, or multigenerational living. The one acre lot gives you options. Room for RV parking, toys, a workshop, animals, or future expansion. No HOA, no shared walls, just space and control. An attached two car garage, indoor laundry room, and a wood burning fireplace round out the essentials. Located on a quiet street with easy access to shopping, schools, and daily needs, while still offering the privacy and breathing room people move to the High Desert for. Turnkey, fully updated, and sitting on a full acre with a brand new septic system. That combination is rare in Apple Valley. This one is also approved for a zero down loan.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Anthony Fletcher · Big Block Premier
Payment estimate
$3,529
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $46,490 · Loan: $418,410
- Principal & Interest
- $2,571
- Property tax (1.25%)
- $484
- Homeowners insurance
- $300
- Mortgage insurance
- $174
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 $16,272 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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