15620 Ramona
Apple Valley, CA, 92307
(No pictures available yet)
$449,900
MLS: OC26092530
Beds
4
Baths
3
Sq Ft
2,134
Lot
1.00 ac
Year Built
1980
MLS #
OC26092530
Days on Market
10
Listed
Apr 29, 2026
Description
Four bedrooms, three bathrooms, over 2,100 square feet, and a full acre of land with no HOA. This single story Apple Valley home has been renovated top to bottom and is ready to move into today. Every major system has been replaced. New HVAC, new water heater, and a brand new septic system installed within the last 60 days. The kitchen is new. The bathrooms are new. Interior and exterior paint are both fresh. The expensive work that most buyers dread is already finished. The layout works for real life. A large family room and separate formal living room give you flexible space for everyday use and entertaining. The dining area connects naturally to a kitchen built around function, with clean countertops, modern fixtures, and storage that makes sense. The primary suite has its own updated bathroom and room to spread out. Three additional bedrooms and two more full bathrooms handle family, guests, or multigenerational setups without compromise. Step outside and the one acre lot speaks for itself. Flat, usable space with room for RV parking, a workshop, toys, animals, or future additions. No HOA means no permission slips and no monthly fees. No shared walls. Just your property and your decisions. An attached two car garage, indoor laundry room, and wood burning fireplace cover the essentials. The location puts you on a quiet residential street with shopping, schools, and daily conveniences nearby, while still delivering the kind of space and privacy that draws people to the High Desert in the first place. Fully renovated, every major system replaced, and sitting on a full acre in an established Apple Valley neighborhood. Eligible for $10,000 forgivable loan (no payments, no interest) to cover closing costs, rate buy-down and/or down payment. 100% financing available with NO MI
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Anthony Fletcher · Big Block Premier
Payment estimate
$3,459
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,990 · Loan: $404,910
- Principal & Interest
- $2,522
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 May 14, 2026
- 30-year fixed
- 6.36%
- 15-year fixed
- 5.71%
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 $15,747 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
Only large teams outsell Mike Watson · Keller Williams Realty
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