20511 Memory
Apple Valley, CA, 92308
$359,999
MLS: PW25268902
Beds
3
Baths
2
Sq Ft
864
Lot
3.98 ac
Year Built
1952
MLS #
PW25268902
Days on Market
130
Listed
Dec 2, 2025
Description
Views, Views, Views. This property boasts a spectacular view, a generously sized lot in a tranquil area, and the significant benefit of never having to pay for water, adding long-term value and appeal. This home has been fully remodeled with significant updates, ensuring a modern and comfortable living experience. The interior features include central air and heat for year-round comfort, newer porcelain tile flooring throughout the living room, kitchen, and bathrooms for a fresh look, and fresh paint inside. The kitchen has been upgraded with new cabinets, sleek quartz stone countertops, a newer garbage disposal, and a pull-out faucet, creating a highly functional and stylish space. Both full bathrooms feature newer custom vanities, plumbing fixtures, a tub and shower, tile walls with an elegant mosaic design offering a luxurious feel. Throughout the home, you'll find updated light fixtures and recessed lighting, enhancing the ambiance, along with the convenience of garage laundry area.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Maria Gutierrez · First American Team Realty Inc
Payment estimate
$2,801
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $36,000 · Loan: $323,999
- Principal & Interest
- $1,991
- Property tax (1.25%)
- $375
- Homeowners insurance
- $300
- Mortgage insurance
- $135
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 $12,600 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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