18370 Niagara
Victorville, CA, 92395
$674,000
MLS: OC26211889
Beds
3
Baths
2
Sq Ft
2,337
Lot
0.17 ac
Year Built
1983
MLS #
OC26211889
Days on Market
31
Listed
Oct 8, 2026
Description
LIVE THE LAKEFRONT LIFESTYLE! Imagine waking up to shimmering lake views, spending your days on the water, and ending the day with breathtaking mountain and lake views from your expansive back patio and primary bedroom balcony or sunset views over the lake from your upper front balcony. This inviting two-story, 3-bedroom, 2-bath lakefront retreat offers more than a home, it offers a lifestyle. A rare and highly desirable feature is the extra-wide driveway, and long private boat launch which provides abundant parking for your RV, trailer(s), watercraft, and other recreational toys. The drought-resistant front landscaping adds curb appeal with minimal maintenance. Step inside, and enjoy the light, bright and airy atmosphere created by soaring cathedral ceilings and an abundance of natural light. Lake views greet you from the moment you enter and are enjoyed from every room except the two main floor bedrooms. New carpet in all the bedrooms, stairs and 2nd floor hallway and newer plantation shutters throughout. Seller is open to including most furnishings with the sale, including the pool table and hot tub, subject to mutually agreed-upon terms, making this an exceptional opportunity for a turnkey lake escape. Bring your paint brush as this home provides a wonderful canvas to personalize to your taste. Cast your fishing rod, or launch your paddle board, kayak or any of your water toys directly from your own private boat launch or dock! Bring your boat, bring your toys, and get ready to embrace the lake life you’ve been dreaming of! *Side Note: the HOA is currently lowering the lake for maintenance hence the visually lower water level*
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Debra Osborne · SoCal Coastal Realty Group
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
$5,509
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $67,400 · Loan: $606,600
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,109
- Property tax (1.25%)
- $702
- Homeowners insurance
- $300
- Mortgage insurance
- $253
- HOA dues
- $145
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 $23,590 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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