16661 Central
Apple Valley, CA, 92307
$398,000
MLS: HD26047090
Beds
3
Baths
2
Sq Ft
1,200
Lot
0.42 ac
Year Built
1986
MLS #
HD26047090
Days on Market
46
Listed
Mar 4, 2026
Description
Price Improvement! Now offered at $398,000 Welcome to 16661 Central Rd in Apple Valley — a great opportunity to own a single-story home situated on a generous 18,126 sq ft lot (nearly ½ acre) offering space, flexibility, and potential. This 3-bedroom, 2-bath home features approximately 1,200 sq ft of living space with an open layout that connects the living, dining, and kitchen areas, creating a comfortable flow for everyday living. The living room includes a raised hearth fireplace with a freestanding wood-burning stove, adding character and warmth to the space. The kitchen offers updated countertops, a large stainless sink, newer appliances, and a 5-burner cooktop, providing both functionality and style. Additional interior features include barn-door linen storage and window coverings throughout. Major system updates include a central AC unit replaced in 2022 along with central heating for year-round comfort. The expansive backyard includes a large covered patio, RV access, and a recently installed fence. The size of the lot offers a variety of possibilities for outdoor use and future improvements. Additional highlights include a 2-car attached garage and a convenient single-story design. This property presents a strong opportunity for buyers seeking space, usability, and long-term potential. Schedule your showing today. Buyer to verify all information including but not limited to square footage, lot size, zoning, permits, property features, and intended uses to their own satisfaction.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Jorge Rodezno · Century 21 Masters
Payment estimate
$3,065
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,800 · Loan: $358,200
- Principal & Interest
- $2,201
- Property tax (1.25%)
- $415
- Homeowners insurance
- $300
- Mortgage insurance
- $149
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 $13,930 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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