20190 Osseo Road
Apple Valley, CA, 92308
$579,000
MLS: TR26021993
Beds
4
Baths
2
Sq Ft
1,851
Lot
0.93 ac
Year Built
2026
MLS #
TR26021993
Days on Market
60
Listed
Feb 9, 2026
Description
Welcome home to this brand-new build at 20190 Osseo Rd in Apple Valley. Fresh, modern, and move-in ready, this home offers an open, easy-living layout with stylish finishes throughout. The kitchen stands out with two-tone painted cabinets, quartz countertops, and a clean, contemporary look that flows perfectly into the main living space. Luxury plank vinyl flooring adds durability and warmth throughout the home, while quartz countertops carry through the kitchen and bathrooms for a polished feel. Outside, enjoy an extra-long driveway with dedicated RV parking—perfect for toys, trailers, or extra vehicles. New construction means low maintenance, modern efficiency, Paid Solar, and a home that’s ready for you to move right in.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Catherine Saravia · Saravia Realty
Payment estimate
$4,322
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,900 · Loan: $521,100
- Principal & Interest
- $3,202
- Property tax (1.25%)
- $603
- Homeowners insurance
- $300
- Mortgage insurance
- $217
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 $20,265 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.
Similar Homes Nearby
Active and pending listings in ZIP 92308 (Apple Valley) within ±10% of this home's price and size.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.