20696 Tonawanda Road
Apple Valley, CA, 92307
$399,999
MLS: SW26082668
Beds
3
Baths
2
Sq Ft
2,039
Lot
0.86 ac
Year Built
1976
MLS #
SW26082668
Days on Market
7
Listed
Apr 23, 2026
Description
POOL HOME set on a private, expansive lot just under one acre in Apple Valley. Offering 3 bedrooms, 2 bathrooms, and approximately 2,039 square feet of living space, this property delivers the perfect blend of comfort, space, and outdoor lifestyle. Inside, the home features a well-designed layout with generous living areas, creating a comfortable environment for both everyday living and entertaining. Natural light fills the home, enhancing the open feel throughout. Step outside and discover your own private retreat. The sparkling pool is the centerpiece of the backyard, perfect for enjoying warm desert days, hosting gatherings, or simply relaxing in your own space. With nearly an acre of land, there’s plenty of room for additional outdoor features, RV parking, or creating your dream setup. Located in a peaceful setting while still being close to local shopping, dining, and everyday conveniences, this property offers both privacy and accessibility. If you’re looking for space, a pool, and room to make it your own, this Apple Valley home is a must-see.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Alicia Good · eXp Realty of California, Inc.
Payment estimate
$3,109
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,000 · Loan: $359,999
- Principal & Interest
- $2,242
- Property tax (1.25%)
- $417
- 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 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 $14,000 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
Only large teams outsell Mike Watson · Keller Williams Realty
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