18475 Trout
Victorville, CA, 92395
$665,000
MLS: HD26034868
Beds
3
Baths
3
Sq Ft
3,732
Lot
0.28 ac
Year Built
1991
MLS #
HD26034868
Days on Market
18
Listed
Feb 19, 2026
Description
Owned solar with backup batteries, soaring ceilings, RV hookups, and a layout that actually works. This is a substantial, well-built home at the end of a quiet cul-de-sac in Spring Valley Lake, offering space, light, and privacy that are increasingly hard to find. The home has real presence when you walk in. High ceilings and expansive windows bring in natural light, and the main living areas feel open and well-proportioned. The kitchen looks into the family room, so you’re not cut off from the rest of the house, and the wood-burning stove adds warmth to the main living space. The primary suite is on the main level with its own fireplace and direct access to the backyard, creating a true main-level retreat. Upstairs, two additional bedrooms and the large bonus/game room with wet bar all open to an expansive upper deck with open riverbed and mountain views. Both the front and back yards are usable, with grass, patio space, and a rear storage shed tucked into the corner of the lot. Other practical features include central vacuum throughout the home, indoor laundry with utility sink, RV parking with hookups and dump, and a three-car garage. The exterior stone and wood siding, along with the home’s overall construction, give it a solid, lasting feel you don’t see much in newer builds. Spring Valley Lake offers private lake access, golf, beach areas, parks, and tennis and basketball courts. This is a home that offers real utility, space, and long-term value.
Location
Victorville, San Bernardino County, CA 92395
Open on Google Maps ↗Listed by: Justin Cubbins · First Team Real Estate-HighDes
Payment estimate
$4,919
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $66,500 · Loan: $598,500
- Principal & Interest
- $3,677
- Property tax (1.25%)
- $693
- Homeowners insurance
- $300
- Mortgage insurance
- $249
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 $23,275 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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