19228 Cottonwood Drive
Apple Valley, CA, 92308
$225,000
MLS: HD26145037
Beds
2
Baths
2
Sq Ft
1,336
Lot
0.04 ac
Year Built
1986
MLS #
HD26145037
Days on Market
25
Listed
Jul 3, 2026
Description
Price Improvement! 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
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$2,157
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $22,500 · Loan: $202,500
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $1,291
- Property tax (1.25%)
- $234
- Homeowners insurance
- $300
- Mortgage insurance
- $84
- 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 Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
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 $7,875 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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