18099 Mariner
Victorville, CA, 92395
$850,000
MLS: IV26005906
Beds
4
Baths
3
Sq Ft
2,628
Lot
0.24 ac
Year Built
1981
MLS #
IV26005906
Days on Market
41
Listed
Jan 10, 2026
Description
Location! Location! Location! Open water! Tranquil single story 4 bedroom, 3 bathroom home that is located on the open water of highly desirable Spring Valley Lake. This home has it all. One of the most desirable lots in SVL, sun and wind protected , open water, at the end of a cul-de-sac , large fixed dock, boat ramp, low maintenance yard with slate tile and synthetic turf. Pie shaped large lot that has twice the waterfront of a typical waterfront lot. Large bedrooms, walk-in closet, numerous glass doors open up to large covered patio, beautiful hardwood and tile floors, amazing fireplace, wet bar, stainless appliances, central a/c and heat, laundry room with numerous pantry cabinets and built in sink, finished 2 car garage with built in cabinets, modern smooth roll up door with opener. Park, golf, country club, restaurants, post office, market, marina, gas station, equestrian center all nearby. Perfect home for retreat, summer home or entertaining.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: SUZI TRINIDAD · BERKSHIRE HATHAWAY HOMESERVICES CALIFORNIA REALTY
Payment estimate
$6,204
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $85,000 · Loan: $765,000
- Principal & Interest
- $4,700
- Property tax (1.25%)
- $885
- Homeowners insurance
- $300
- Mortgage insurance
- $319
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 $29,750 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.
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Local Market Stats
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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