20430 Rancherias
Apple Valley, CA, 92307
$987,000
Original list price: $999,000
MLS: HD26114404
Beds
6
Baths
4
Sq Ft
5,040
Lot
2.96 ac
Year Built
1971
MLS #
HD26114404
Days on Market
111
Listed
May 26, 2026
Description
Perched on nearly 3 private acres against scenic Bass Hill in Apple Valley, this extraordinary estate offers panoramic city-light views, luxury living, exceptional privacy, and rare multi-generational and income-producing potential. Featuring two beautifully appointed homes with room to expand, this one-of-a-kind property is ideal for extended family living, private guest accommodations, rental income opportunities, future ADU expansion, or a flexible live/work lifestyle. The main residence offers 4 oversized bedrooms, 3.5 bathrooms, a Jack-and-Jill layout, and a private-entry suite ideal for independent living, guests, office space, or additional rental flexibility. Designed for both entertaining and everyday comfort, the spacious floorplan includes a large living room, family room, formal dining area, office/library, and recreation space. The upgraded chef’s kitchen showcases glass-front slow-close cabinetry, an oversized island, Wi-Fi-enabled gas cooktop, smart oven, country sink, upgraded fixtures, breakfast nook, and bar seating. The detached guest home significantly enhances the property’s versatility and long-term value, offering excellent potential for multi-generational living, guest quarters, private retreats, traveling professionals, or supplemental income opportunities. Additional highlights include: • double-door entry opening to a stunning patio with breathtaking views • Exceptional insulation for peaceful, quiet indoor living • Two brand-new AC units with forced air and heat • Two water heaters • Motion-detecting lighting • Sprinkler system • Upgraded electrical panel (2019) • 49 solar panels for energy efficiency and reduced utility costs • Expansive acreage with room for RV parking, toys, animals, entertaining, gardens, workshops, or future development possibilities • Large garage and storage areas with additional functional flexibility Whether you are seeking luxury desert living, a private family compound, a retreat-style property, or a home with strong long-term income and expansion potential, this exceptional estate delivers a rare combination of privacy, flexibility, lifestyle, and opportunity in the heart of Apple Valley.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Jessica Brooks · Realty ONE Group Empire
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
$7,466
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $98,700 · Loan: $888,300
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,767
- Property tax (1.25%)
- $1,028
- Homeowners insurance
- $300
- Mortgage insurance
- $370
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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
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 $34,545 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
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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
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