20401 Tonawanda Road
Apple Valley, CA, 92307
$649,900
MLS: HD25278331
Beds
4
Baths
3
Sq Ft
2,292
Lot
1.20 ac
Year Built
2025
MLS #
HD25278331
Days on Market
91
Listed
Dec 18, 2025
Description
Welcome to your New Construction Home! This stunning 4-bedroom, 3 bathroom property offers 2,292 square feet of living space . Open concept living space with many windows to bring in the natural light, wood look tile floors, an impressive reclaimed wood custom panel wall with an electric fireplace, high ceilings, inset lighting. The gourmet kitchen is equipped with top-of-the-line stainless steel appliances, ample cabinets with lighting under, a large walk-in pantry, plus an oversized island. The beautiful white quartz countertops and backsplash add a touch of sophistication to your kitchen and bathrooms. This home also features a Jr. Master suite. The Primary Bathroom includes a walk-in shower, dual sinks and and two walk-in closets that provide all the storage you need for your wardrobe and accessories. This home has PAID OFF SOLAR, an oversized three car garage, spacious indoor laundry room and under truss patio for all those summer BBQ's. A 1.20 acre spacious lot that awaits your personal touch, offering landscaping possibilities and plenty of space to create your own oasis!
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Jennifer Martinez · Realty ONE Group Empire
Payment estimate
$4,814
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $64,990 · Loan: $584,910
- Principal & Interest
- $3,594
- Property tax (1.25%)
- $677
- Homeowners insurance
- $300
- Mortgage insurance
- $244
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 $22,747 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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