20690 Rancherias Road
Apple Valley, CA, 92307
(No pictures available yet)
$640,000
MLS: HD26098371
Beds
3
Baths
3
Sq Ft
2,584
Lot
1.59 ac
Year Built
2001
MLS #
HD26098371
Days on Market
5
Listed
May 8, 2026
Description
3BR/2.5BA single-story in Apple Valley. 30x50 shop with 1/2 bath and office plus horse property on 1.59 acres. Built 2001.Single-story custom home in Apple Valley offering 3 bedrooms, 2.5 bathrooms, and 2,584 square feet on a 1.59-acre lot. Built in 2001 by the original owners, this property includes a 30x50 detached shop with an 18-foot door, 1/2 bathroom, and office, supporting a range of uses from workspace to storage. No HOA and not located in a flood zone. The interior layout provides large bedrooms, an additional flex room that can function as an office, craft room, or guest space, and both step-in and walk-in pantry options in the kitchen. The primary suite includes a deep shower with dual shower heads and a separate spa tub. Shutters are installed throughout, and the extended-length two-car attached garage allows for larger vehicles or added storage. The 1.59-acre lot is designated as horse property and includes multiple outdoor features such as fruit trees with bubblers, including peach, pear, and apricot varieties, a volleyball court, and mountain views. An RV hookup with 30-amp service is located at the rear of the property, adding utility for recreational or guest use. Located on Rancherias Road close to the golf course in Apple Valley, the property provides space between neighboring homes while maintaining access to surrounding residential areas, shopping and schools.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Charlotte Volsch · Volsch Enterprises, Inc.
Payment estimate
$4,795
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $64,000 · Loan: $576,000
- Principal & Interest
- $3,588
- Property tax (1.25%)
- $667
- Homeowners insurance
- $300
- Mortgage insurance
- $240
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 May 14, 2026
- 30-year fixed
- 6.36%
- 15-year fixed
- 5.71%
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 $22,400 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
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Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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