20635 Tonawanda Road
Apple Valley, CA, 92307
$399,000
MLS: HD25136244
Beds
3
Baths
2
Sq Ft
2,507
Lot
0.86 ac
Year Built
1988
MLS #
HD25136244
Days on Market
245
Listed
Jun 17, 2025
Description
Investor Special/FHA 203K Candidate!! This two-story fixer-upper is brimming with potential in a prime location near schools and shopping. Offering a spacious two-car garage plus a large RV garage, this property is perfect for buyers seeking extra storage or hobby space. Enjoy the in-ground pool and generous backyard—ideal for future entertaining. This home needs work but promises great returns for investors or savvy buyers ready to renovate and create their dream home. Don’t miss this opportunity in a sought-after neighborhood!
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Enedina Perez · Coldwell Banker Home Source
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 $13,965 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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