19077 Elm
Apple Valley, CA, 92308
$260,000
MLS: CV26049547
Beds
2
Baths
2
Sq Ft
1,309
Lot
0.07 ac
Year Built
1989
MLS #
CV26049547
Days on Market
18
Listed
Mar 19, 2026
Description
Move-In Ready Home in Apple Valley’s Premier 55+ Gated Community! This beautifully maintained two-bedroom home offers comfortable living in a highly desirable and conveniently located community. The inviting layout features a spacious living room that flows into the primary suite with a vanity area and private bathroom featuring dual sinks and a walk-in shower. The secondary bedroom is positioned at the front of the home, providing separation and privacy between both bedrooms, and is located near the full hallway bathroom and indoor laundry area with washer and dryer included. The kitchen includes a refrigerator, dishwasher, and range, along with a charming dining nook overlooking the front yard, creating a bright and welcoming space. Additional highlights include a desirable two-car garage and a large covered back patio, ideal for relaxing or enjoying outdoor living. The home is situated along the community greenbelt with lighted walking paths, perfect for enjoying the neighborhood surroundings. Conveniently located just outside the gated entrance is Jess Ranch Marketplace, offering shopping, dining, banking, a gym, and a movie theater providing everyday conveniences just moments from home.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Magdalena Aguilar · KELLER WILLIAMS PREMIER PROPER
Payment estimate
$2,106
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $26,000 · Loan: $234,000
- Principal & Interest
- $1,438
- Property tax (1.25%)
- $271
- Homeowners insurance
- $300
- Mortgage insurance
- $98
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 $9,100 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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