18262 Harbor
Victorville, CA, 92395
$575,000
Original list price: $599,000
MLS: HD26198478
Beds
3
Baths
3
Sq Ft
2,602
Lot
0.17 ac
Year Built
1980
MLS #
HD26198478
Days on Market
41
Listed
Sep 22, 2026
Description
WATERFRONT OPPORTUNITY IN SPRING VALLEY LAKE! Whether you're looking for a home to customize and make your own or an investor searching for a property with potential, this waterfront home offers an exciting opportunity in the desirable Spring Valley Lake community. Offering 3 bedrooms, 3 bathrooms, plus a versatile bonus room that can be used as an office, gym, guest room, or additional sleeping space. The bonus room offers many of the features of a bedroom but does not have a closet. The unique floor plan features two primary en-suites—one downstairs and one upstairs, providing flexibility for guests, extended family, or multi-generational living. The remaining bedrooms are conveniently located downstairs. The kitchen has been updated with newer cabinetry, countertops, sink, and flooring, while much of the interior has received fresh paint, and a new water heater has been added.The backyard features newer turf and beautiful waterfront surroundings, creating a wonderful setting to relax and enjoy lake living. The home does need repairs, giving a buyer or investor the opportunity to renovate, personalize, and add their own finishing touches. Seller is willing to consider concessions toward repairs with an acceptable offer. 2 rooms and 1 bathroom are not showen. Enjoy the waterfront lifestyle and all that Spring Valley Lake has to offer. With its waterfront location, flexible floor plan, dual primary suites, and renovation potential, this property offers a unique opportunity for an owner-occupant or investor ready to bring their vision to life.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: JoAnn Cerchio · First Team Real Estate
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
$4,779
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $57,500 · Loan: $517,500
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,527
- Property tax (1.25%)
- $599
- Homeowners insurance
- $300
- Mortgage insurance
- $216
- HOA dues
- $138
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 Oct 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
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 $20,125 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
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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