20997 Valencia Street
Apple Valley, CA, 92308
$478,000
MLS: HD25245214
Beds
3
Baths
2
Sq Ft
1,651
Lot
0.47 ac
Year Built
2026
MLS #
HD25245214
Days on Market
150
Listed
Nov 14, 2025
Description
This NEW CONSTRUCTION home is the one your clients have been dreaming about. Its a 3 bedroom 2 bath, large living area with a farmhouse feel, tons of storage, perfect for the first time home buyer or the last time home buyer that wants to downgrade size, but still wants all the amenities they have been looking for. All bedrooms have walk-in closets, an indoor laundry, oversized garage. Kitchen boasts beautiful cabinets with self closing drawers, quartz countertops, upgraded appliances. The home has beautiful views of the Ord Mountains and Mt. Baldy. **BEST PART**This home comes with a new Solar System, no lease payments, no maintenance costs, you buy the home, you own the solar. This home is so energy efficient your clients will love not having those pesky utility bills. Front yard landscaping included and yes, room for that R.V. too. ** This home is fully privately fenced, including 1 R.V drive thru gate and 2 man gates. Very close to shopping. Come take a look, it won't last long.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Jennifer Chapdelaine · Coldwell Banker Home Source
Payment estimate
$3,620
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $47,800 · Loan: $430,200
- Principal & Interest
- $2,643
- Property tax (1.25%)
- $498
- Homeowners insurance
- $300
- Mortgage insurance
- $179
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
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 $16,730 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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