16481 Iwa
Apple Valley, CA, 92307
$482,500
MLS: HD26011099
Beds
4
Baths
3
Sq Ft
2,285
Lot
0.81 ac
Year Built
1991
MLS #
HD26011099
Days on Market
81
Listed
Jan 16, 2026
Description
Located in Upper Desert Knolls, this affordably priced 4-bedroom, 2.5-bath home sits at the end of a quiet cul-de-sac and offers views of the valley floor with space and privacy to enjoy the desert setting. The home features a large living room and a family room with a corner fireplace, conveniently adjacent to the kitchen and formal dining area, creating a functional layout for everyday living and gatherings. An enclosed patio with its own mini-split system provides flexible additional space with added comfort and can serve as a home gym, hobby room, or extension of the living area. This space opens to a covered patio overlooking the terraced backyard. The backyard offers room to create an outdoor retreat, with space suitable for future landscaping or recreational enhancements. Enjoy morning coffee while taking in the sunshine and open views. Inside, the home includes an indoor laundry room with garage access and a wet sink for added convenience. A half bath is located at the end of the laundry room, easily accessible from both the kitchen and garage. The three-bay garage provides ample space and convenient access to the home’s mechanical systems, including the water heater, air handler, central vacuum system, and garage door openers. Additional storage cabinets and a side yard access door add to the home’s functionality. With its desirable location, generous floor plan, and outdoor potential, this affordably priced property presents an opportunity to make your own improvements and personalize the home to suit your needs in a well-established Upper Desert Knolls neighborhood. Schedule your showing today.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Fran Fox · Coldwell Banker Home Source
Payment estimate
$3,652
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $48,250 · Loan: $434,250
- Principal & Interest
- $2,668
- Property tax (1.25%)
- $503
- Homeowners insurance
- $300
- Mortgage insurance
- $181
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 $16,888 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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