20238 Osseo Road
Apple Valley, CA, 92308
$659,900
MLS: HD26112815
Beds
3
Baths
3
Sq Ft
2,720
Lot
0.65 ac
Year Built
1986
MLS #
HD26112815
Days on Market
21
Listed
May 27, 2026
Description
Gorgeous Ranch home in Apple Valley on a half acre level lot. with a ***Workshop***Inground Pool***Attached Separate Dwelling One Bedroom/Bathroom, Living room and Kitchen.*** Main Kitchen has been remodeled with new Granite Countertops, cabinets were painted white and resurfaced, and new laminate flooring installed 2025. Primary Suite Bathroom was remodeled with Granite Countertops, large jetted tub and tiled shower. All bedrooms have walk-in closets in the main house. Inground Pool is approximately 10 feet deep to 3 feet on the shallow end. 2 Sheds, One Gazebo/BBQ area, 2 Car Detached Garage. This house is great for entertaining with plenty of parking with the Circular drive, RV Parking and room to swim and enjoy the backyard amenities.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Jeanice Walton · Destiny Real Estate
Payment estimate
$4,997
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $65,990 · Loan: $593,910
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,762
- Property tax (1.25%)
- $687
- Homeowners insurance
- $300
- Mortgage insurance
- $247
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 $23,097 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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