19520 Arcata Road
Apple Valley, CA, 92307
$639,000
MLS: HD26042438
Beds
4
Baths
3
Sq Ft
2,920
Lot
0.49 ac
Year Built
2020
MLS #
HD26042438
Days on Market
40
Listed
Feb 27, 2026
Description
Single-story 2020 home with OWNED solar, RV parking, and mountain views in gated Vista del Sol Estates, 2,920 sq ft, 4 bedrooms, split floor plan, chef-style kitchen with oversized island, and only $50/month HOA. Located in one of Apple Valley’s most desirable gated communities, this nearly new 4 bedroom, 3 bathroom home offers modern construction with the advantage of being fully finished without the added cost of new build upgrades. Built in 2020 with solar installed at construction, all major systems including heating and air are just five years old, delivering energy efficiency and long-term value. Inside, high ceilings and an open layout create a bright and spacious feel. The split floor plan places the primary suite privately away from the secondary bedrooms for added comfort and separation. The chef-style kitchen features quartz countertops, a walk-in pantry, and a large oversized island that anchors the living space, ideal for gatherings and everyday living. Step outside to a fully landscaped backyard with a 576 sq ft patio, breathtaking mountain views, and stunning desert sunsets. The generous 21,320 sq ft lot also includes RV parking, a 3-car garage, and an extra-wide driveway for additional vehicles. Unlike nearby brand-new homes, this property already includes: • Owned solar system • Completed landscaping • Installed window coverings • RV parking ready • No construction delays . No out-of-pocket upgrade costs Additional highlights: • Gated community • Private water, public sewer • Low $50/month HOA If you’ve been considering new construction in Vista del Sol Estates, this home offers the rare advantage of being nearly new but fully complete and move-in ready. Schedule your showing and experience the difference.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Charlotte Volsch · Volsch Enterprises, Inc.
Payment estimate
$4,739
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $63,900 · Loan: $575,100
- Principal & Interest
- $3,534
- Property tax (1.25%)
- $666
- Homeowners insurance
- $300
- Mortgage insurance
- $240
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 $22,365 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 92307 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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