20852 Del Oro Road
Apple Valley, CA, 92308
(No pictures available yet)
$410,000
MLS: IG26093512
Beds
3
Baths
2
Sq Ft
1,417
Lot
0.42 ac
Year Built
1987
MLS #
IG26093512
Days on Market
1
Listed
Apr 30, 2026
Description
Sweet single story home for sale in Apple Valley CA! This ranch style home has 3 bedroom, 2 baths, and is just a few miles from Jess Ranch Marketplace and the golf courses at Apple Valley and Del Webb. You'll appreciate the fully gated and fenced property with RV access on both sides. This home is warm and welcoming from the instant you open the front door. The living room features a brick fireplace for those chilly evenings. A large formal dining area is off the kitchen, and there is a separate dining nook, too. The kitchen was designed for function and comfort, with ample storage space, a breakfast bar, and double doors out to the back yard. The primary bedroom is large, and features a private bath with 2 sinks and walk in closet. The other 2 bedrooms share a hall bath. The 2 car garage has been permitted as additional living space, adding 483 additional square feet. You can add your finishing touch to make it a family room or in-law suite. The detached garage is 576 square feet, and could easily be converted into an ADU. Zoned R-EQ, (Equestrian Residential, you can bring your horses! Energy efficient upgrades include central air and heat, swamp cooler, ceiling fans and double paned windows. Also 2 of the bedrooms have private wall air conditioners for individual comfort. This home qualifies for all loan programs including FHA, VA and down payment assistance programs. If you want a rural lifestyle with all the comforts of city living, this is the home for you, plan your visit today!
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Liane Thomas · Alta Realty Group
Payment estimate
$3,216
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $41,000 · Loan: $369,000
- Principal & Interest
- $2,335
- Property tax (1.25%)
- $427
- Homeowners insurance
- $300
- Mortgage insurance
- $154
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 21, 2026
- 30-year fixed
- 6.51%
- 15-year fixed
- 5.85%
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 $14,350 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 92308 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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