20495 Zuni Road
Apple Valley, CA, 92307
$465,000
MLS: HD26033380
Beds
4
Baths
2
Sq Ft
1,707
Lot
0.44 ac
Year Built
2026
MLS #
HD26033380
Days on Market
33
Listed
Feb 13, 2026
Description
Newly Constructed 4 bedroom, 2 bath home on a full 1/2 acre lot ready to occupy late Feb 2026. Spacious all electric energy efficient design features Quartz Counters, Semi-Walk-In Pantry, Soft Closing Drawers, Stainless Steel Appliances and Plank tile flooring in the entire home excluding carpeted bedrooms. Master bedroom includes a Walk-In Closet. Fenced Rear Yard. Partial drought tolerant landscaping. PV Solar System is paid for and included in the sale.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Gary Grove · Paramount Properties
Payment estimate
$3,530
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $46,500 · Loan: $418,500
- Principal & Interest
- $2,571
- Property tax (1.25%)
- $484
- Homeowners insurance
- $300
- Mortgage insurance
- $174
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 $16,275 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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