15644 Cobalt Road
Victorville, CA, 92394
$449,999
MLS: PW26200008
Beds
3
Baths
2
Sq Ft
1,602
Lot
0.17 ac
Year Built
2022
MLS #
PW26200008
Days on Market
1
Listed
Sep 11, 2026
Description
Incredible option for assumable FHA loan at 4.5%, subject to buyer(s) qualification and servicer approval. Enjoy the benefits of a move-in-ready 3-bedroom, 2-bathroom home at 15644 Cobalt Rd, Victorville. This inviting home features an open floor plan, with good natural lighting, LVP flooring in the main living areas, and carpeted bedrooms. Pool size, private backyard, with a paid-off solar system that helps reduce energy costs. Conveniently located near schools, shopping, and major freeways, this home offers easy access to everyday amenities and commuting routes—with no HOA. Don’t miss this opportunity!
Location
Victorville, San Bernardino County, CA 92394
Open on Google Maps ↗Listed by: Jason Mutuku · Vylla Home, Inc.
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
$3,567
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $45,000 · Loan: $404,999
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,630
- 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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
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 Victorville home with as little as 3.5% down using an FHA loan — roughly $15,750 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.
Assumable Loan — Lock In a Below-Market Rate＋
This Victorville property has an assumable mortgage, meaning a qualified buyer can take over the existing loan at its current interest rate — potentially far below today's market rates. Assumable financing can dramatically reduce your monthly payment and total interest cost over the life of the loan compared to qualifying for a new mortgage at prevailing rates. This is a rare and significant financial advantage; ask your agent for the current loan details.
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Local Market Stats
See Victorville, CA 92394 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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