20530 OTOE Road
Apple Valley, CA, 92307
$499,900
Original list price: $511,000
MLS: HD26213371
Beds
4
Baths
2
Sq Ft
1,762
Lot
0.69 ac
Year Built
2026
MLS #
HD26213371
Days on Market
35
Listed
Oct 1, 2026
Description
WELCOME to your beautifully designed BRAND NEW-HOME in Apple Valley! Situated on approximately 0.67 acres, this 1,762 sq. ft. home offers 4 bedrooms, 2 bathrooms split floor plan, and a 2-car garage with the perfect blend of modern style, comfort, and space. PAID SOLAR PANELS! Step inside and fall in love with the bright, open-concept floor plan featuring beautiful wood-look tile flooring and a stunning kitchen with white shaker cabinets, quartz countertops, a contrasting wood-tone island, stylish backsplash, and modern matte black finishes. Your primary suite offers a relaxing retreat with a beautifully finished bathroom and custom tiled walk-in shower. Outside, white stucco, stone accents, a rich mahogany-style garage door, tile roof, new concrete driveway, and low-maintenance desert landscaping create beautiful curb appeal. Move-in ready and waiting for its first owner — come see it and imagine yourself calling this beautiful NEW CONSTRUCTION HOME!
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Adriana Avina · Coldwell Banker Envision
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
$4,056
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $49,990 · Loan: $449,910
Average 30-yr fixed rate 7.18% as of Nov 5, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,048
- Property tax (1.25%)
- $521
- Homeowners insurance
- $300
- Mortgage insurance
- $187
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 Nov 5, 2026
- 30-year fixed
- 7.18%
- 15-year fixed
- 6.57%
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 $17,497 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.
★#1 Producing Individual Realtor, Antelope Valley
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