19045 Elm
Apple Valley, CA, 92308
$289,900
MLS: HD26032947
Beds
2
Baths
2
Sq Ft
1,408
Lot
0.05 ac
Year Built
1989
MLS #
HD26032947
Days on Market
1
Listed
Feb 25, 2026
Description
I wanted to share an incredible opportunity to own a quiet and cozy gem nestled into the highly sought after Jess Ranch. This well maintained home features over 1,400 square feet of living space. Including two bedrooms and two full bathrooms, with double sinks downstairs. You also don't want to miss the breathtaking views from the upstairs balcony. The community offers fantastic amenities including - A Fully stocked lake with great fishing - A Clubhouse and Tennis Courts within walking distance. - a 18 Hole Golf Course. Please let me know if you would like more information or if you are interested in viewing the Home.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Victor Rivas · Rivas Realty
Payment estimate
$2,314
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $28,990 · Loan: $260,910
- Principal & Interest
- $1,603
- Property tax (1.25%)
- $302
- Homeowners insurance
- $300
- Mortgage insurance
- $109
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 $10,147 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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