20923 Rambling
Apple Valley, CA, 92308
$389,900
MLS: HD26174965
Beds
4
Baths
2
Sq Ft
1,248
Lot
0.42 ac
Year Built
1980
MLS #
HD26174965
Days on Market
9
Listed
Aug 12, 2026
Description
**ADU POTENTIAL • NEARLY ½ ACRE • MOVE-IN READY • DOWN PAYMENT ASSISTANCE & $0-DOWN OPTIONS AVAILABLE!** Looking for an updated home with land AND financing options that could make homeownership more attainable? This Apple Valley property offers a great combination of **move-in-ready condition, usable land, flexibility, and location.** Down payment assistance and **no-money-down financing options may be available for qualified buyers**—ask for details and eligibility requirements. The home has been updated throughout with a **new roof, new flooring, new kitchen cabinets, countertops, sinks, and appliances**, giving it a clean, modern feel without the immediate expense and hassle of major renovations. Sitting on **nearly half an acre**, the property offers plenty of possibilities. Explore **ADU potential**, additional storage, a workshop, RV or trailer parking, and space for **boats, motorcycles, ATVs, side-by-sides, and other desert toys.** There's also potential for **horses and farm animals**, subject to applicable requirements and buyer verification. Enjoy the peaceful Apple Valley lifestyle with **open skies and nearby off-road recreation**, while still being conveniently located near **schools, parks, shopping, restaurants, and everyday necessities**, along with newer shopping, dining, and continued development throughout the surrounding area. **No HOA • Low Taxes • ADU Potential • Nearly ½ Acre • New Roof • Updated Throughout • Down Payment Assistance • $0-Down Options • RV & Toy Space • Horse & Farm Animal Potential** Updated, move-in ready, and offering the land and flexibility that make High Desert living so desirable.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Carlos Vizcaino · Coldwell Banker Envision
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
$3,131
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $38,990 · Loan: $350,910
Average 30-yr fixed rate 6.76% as of Sep 10, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,278
- Property tax (1.25%)
- $406
- Homeowners insurance
- $300
- Mortgage insurance
- $146
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 Sep 10, 2026
- 30-year fixed
- 6.76%
- 15-year fixed
- 6.09%
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 $13,647 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
Only large teams outsell Mike Watson · Keller Williams Realty
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