20474 Gemmill
Apple Valley, CA, 92308
$350,000
MLS: CV26078176
Beds
3
Baths
1
Sq Ft
1,522
Lot
5.00 ac
Year Built
1956
MLS #
CV26078176
Days on Market
3
Listed
Apr 11, 2026
Description
Priced to Sell! Incredible opportunity in Apple Valley — below market value! This property offers tremendous upside for investors or buyers looking to customize their dream home. Situated on a spacious lot, the home requires TLC but has great potential to add value. Ideal for a flip, rental, or long-term investment. Don’t miss this chance to own a property with built-in equity in a growing area. Sold as-is. Buyer and buyer’s agent to verify all information and conduct their own due diligence.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Irene Sermeno · H4S REALTY
Payment estimate
$2,731
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $35,000 · Loan: $315,000
- Principal & Interest
- $1,935
- Property tax (1.25%)
- $365
- Homeowners insurance
- $300
- Mortgage insurance
- $131
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 $12,250 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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