20786 Highway 18
Apple Valley, CA, 92307
$439,900
Original list price: $449,000
MLS: IV26143582
Beds
3
Baths
2
Sq Ft
1,748
Lot
1.00 ac
Year Built
1986
MLS #
IV26143582
Days on Market
26
Listed
Jul 1, 2026
Description
This home offers 3 bedrooms and 2 bathrooms with an additional family room. Cozy fireplace located in the living room. This oversized acre lot is fully fenced with a sub-fencing area. Master bedroom offers a sliding door that leads to the backyard. Covered patio ready for gatherings.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: ANNA GUERRA · BONA REAL ESTATE #1/FONTANA
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
$3,446
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $43,990 · Loan: $395,910
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,523
- Property tax (1.25%)
- $458
- Homeowners insurance
- $300
- Mortgage insurance
- $165
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 Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
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 $15,397 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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