16591 Ponca
Victorville, CA, 92395
$399,999
MLS: IG25240832
Beds
3
Baths
2
Sq Ft
1,225
Lot
0.42 ac
Year Built
1986
MLS #
IG25240832
Days on Market
180
Listed
Oct 17, 2025
Description
Welcome to this charming, commuter-friendly home in Victorville—where modern upgrades meet comfortable living, and a motivated seller makes this opportunity even sweeter! This beautifully maintained 3-bedroom, 2-bath residence offers an inviting open floor plan with thoughtful touches throughout. The upgraded kitchen is a true showstopper, featuring stunning cabinetry, quartz countertops, a spacious center island, and stainless-steel appliances that are included with the home. The kitchen flows seamlessly into the living room, making it perfect for entertaining and everyday living. Enjoy movie nights with ease—the living room is wired for 5.1 surround sound, and a built-in wine cooler adds a touch of sophistication. Both bathrooms are nicely updated, and laminate flooring throughout provides style and easy maintenance. Step outside to an entertainer’s backyard designed for relaxation and fun! The deck is wired for speakers, internet, and cable, and includes built-in drainage—creating the ideal space for gatherings. The garage is set up for two televisions, making it a great hangout or workshop area. A backyard shed with water and electricity adds extra versatility and storage. This home also includes an assumable solar lease with Sun Run to help keep energy costs low. Conveniently located near major commuter routes, shopping, dining, and schools, this Victorville gem is move-in ready. Seller is motivated and every offer will be considered—don’t miss your chance to make this home yours!
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Adria Chamberlain · KELLER WILLIAMS REALTY
Payment estimate
$3,079
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,000 · Loan: $359,999
- 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 Victorville 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.
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 92395 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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