18668 Kamana
Apple Valley, CA, 92307
$520,000
MLS: HD26008366
Beds
3
Baths
2
Sq Ft
2,168
Lot
0.42 ac
Year Built
1990
MLS #
HD26008366
Days on Market
76
Listed
Jan 13, 2026
Description
Welcome to this beautifully maintained home located in the highly desirable Upper Desert Knolls neighborhood of Apple Valley. This spacious 2,168 sq ft, 3-bedroom, 2-bath residence offers comfort, functionality, and thoughtful upgrades throughout. Conveniently located just minutes from St. Mary Medical Center, approximately 10 minutes to the I-15 Freeway, and 5 minutes from Apple Valley Golf Course. The property features an updated water softener system, pavered RV access, and a well-designed backyard ideal for both relaxation and entertaining. Enjoy a garden greenhouse and a built-in BBQ, perfect for hosting family and friends. Major shopping, including Walmart and Albertsons, is under 10 minutes away, providing excellent convenience while still enjoying a peaceful residential setting.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Christopher Hozie · RE/MAX FREEDOM
Payment estimate
$3,912
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $52,000 · Loan: $468,000
- Principal & Interest
- $2,875
- Property tax (1.25%)
- $542
- Homeowners insurance
- $300
- Mortgage insurance
- $195
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 Apple Valley home with as little as 3.5% down using an FHA loan — roughly $18,200 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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