18310 Niagara
Victorville, CA, 92395
$679,900
MLS: HD26057133
Beds
3
Baths
2
Sq Ft
1,771
Lot
0.17 ac
Year Built
1981
MLS #
HD26057133
Days on Market
1
Listed
Mar 18, 2026
Description
Welcome to lakefront living in Spring Valley Lake at 18310 Niagara Drive, where your backyard becomes the water and everyday life feels like a private retreat. This beautifully remodeled single story home sits directly on the lake with your own private dock, offering true waterfront living in one of the most sought after communities in the High Desert. From the moment you walk in, you will notice the attention to detail with wood looking tile flooring throughout most of the home, tall baseboards, smooth textured ceilings, and updated recessed lighting that creates a clean and modern feel. The kitchen has been fully upgraded with granite countertops, all new soft close cabinetry, stainless steel appliances, and a striking herringbone backsplash that adds a custom designer touch. The home also features all new windows, a newer HVAC system installed within the last few years, and a tankless water heater for added efficiency and comfort. The living room offers a cozy painted fireplace with a gas line and opens up to the backyard, creating a seamless indoor outdoor flow. The bedrooms are well appointed with updated flooring, mirrored closet doors, and great natural light. The hall bathroom features a subway tile shower with glass enclosure, quartz counters, and a clean modern finish. The primary suite is positioned to capture the lake, with multiple windows showcasing the water view, dual sliding closets, and direct access to the backyard. The primary bathroom has been thoughtfully upgraded with a large soaking tub, herringbone tile shower with glass doors, dual vanities, and granite counters. Step outside and this is where the home truly comes to life. A covered patio, grassy yard, and built in BBQ island area creates the perfect setup for entertaining, while your private wood dock puts you directly on the lake. The view stretches across open water with mountain backdrops, giving you one of the best vantage points in the community. There is also a side gate for added access and functionality. Spring Valley Lake is more than a neighborhood. It is a lifestyle. Kids ride bikes through quiet streets, neighbors cruise in golf carts, and every Fourth of July the lake becomes the stage for an incredible fireworks show right over the water. Residents also enjoy access to parks, beaches, and for those who choose to join, the Bear Valley Lake Country Club with private dining, pool, fitness center, and golf. Upgrade your lifestyle to lake living.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Derek DeVille · eXp Realty of Southern CA Inc.
Payment estimate
$5,023
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $67,990 · Loan: $611,910
- Principal & Interest
- $3,760
- Property tax (1.25%)
- $708
- Homeowners insurance
- $300
- Mortgage insurance
- $255
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 $23,797 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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