19146 Oak
Apple Valley, CA, 92308
$324,900
Original list price: $349,000
MLS: CV25263374
Beds
2
Baths
2
Sq Ft
1,442
Lot
0.09 ac
Year Built
1995
MLS #
CV25263374
Days on Market
206
Listed
Nov 22, 2025
Description
Charming 2-Bedroom Home in Gated 55+ Community – Beautifully maintained 2-bedroom, 2-bathroom home located in the sought-after gated 55+ community of Jess Ranch in Apple Valley. This inviting single-story residence features a spacious floor plan, ideal for both relaxing and entertaining. Step inside to find a custom-built entertainment center, adding a touch of elegance and functionality to the living area. Bright and inviting dining and living area perfect for any time of the year. Each bedroom is comfortably sized, with the primary suite offering an en-suite bathroom and ample closet space. Enjoy peace of mind and privacy with a 2-car attached garage, and take in the serenity of this well-kept neighborhood. Community amenities include scenic walking paths, lush landscaping, clubhouse, and recreational activities—all designed to support an active and comfortable lifestyle. Conveniently located near shopping, restaurants, medical facilities, and more. This is your opportunity to enjoy low-maintenance living in a warm, welcoming community
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Mark Sapienza · BERKSHIRE HATH HM SVCS CA PROP
Payment estimate
$2,860
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $32,490 · Loan: $292,410
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,852
- Property tax (1.25%)
- $338
- Homeowners insurance
- $300
- Mortgage insurance
- $122
- HOA dues
- $248
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 Apple Valley home with as little as 3.5% down using an FHA loan — roughly $11,372 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 Apple Valley, CA 92308 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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