19228 Cottonwood Drive
Apple Valley, CA, 92308
$249,000
MLS: HD26015009
Beds
2
Baths
2
Sq Ft
1,336
Lot
0.04 ac
Year Built
1986
MLS #
HD26015009
Days on Market
68
Listed
Jan 21, 2026
Description
Located within the beautiful, guard-gated 55+ community of Jess Ranch. One of Apple Valley’s most sought-after neighborhoods. This well-appointed home offers comfort, convenience, and an inviting open floor plan. The interior features laminate flooring, classic vaulted wood-beamed ceilings, and ceiling fans that enhance the light and airy feel throughout. The home offers TWO spacious PRIMARY SUITES, each with a WALK-IN CLOSET and FULL BATHROOM. One suite includes a Safe Step walk-in tub, and both bedrooms feature sliding glass doors that open to the outdoor patio, perfect for enjoying fresh air and indoor-outdoor living. The kitchen is open to the formal dining area and features ample cabinetry, granite countertops, and a conveniently located indoor laundry area. The thoughtful layout is ideal for both everyday living and entertaining. Ideally situated approximately one mile from shopping, restaurants, medical facilities, banks, and a local theater, this home offers easy access to daily necessities and entertainment. Jess Ranch residents enjoy a vibrant community lifestyle with nearby farmers markets, golf course, and access to local museums. A wonderful opportunity to enjoy secure, low-maintenance living in a welcoming 55+ community.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Robert Amato · Real Brokerage Technologies
Payment estimate
$2,030
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $24,900 · Loan: $224,100
- Principal & Interest
- $1,377
- Property tax (1.25%)
- $259
- Homeowners insurance
- $300
- Mortgage insurance
- $93
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 $8,715 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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