21011 Ponca
Apple Valley, CA, 92308
$409,500
MLS: PW26049446
Beds
3
Baths
2
Sq Ft
1,366
Lot
0.49 ac
Year Built
1987
MLS #
PW26049446
Days on Market
34
Listed
Mar 6, 2026
Description
Welcome to this beautifully renovated 3-bedroom, 2-bathroom home in Apple Valley, offering modern upgrades, convenience, and a peaceful setting. This move-in-ready property features brand-new windows, new flooring throughout, an updated kitchen with new appliances, and completely remodeled bathrooms with modern finishes. The home is highlighted by a unique semi-circular driveway, providing convenient access and ample parking while adding great curb appeal. Inside, the upgrades create a fresh and contemporary feel, perfect for comfortable everyday living. Step outside to enjoy a serene and private patio, an ideal space for relaxing, entertaining, or enjoying quiet desert evenings. The property also includes a convenient access pathway behind the home, adding additional functionality and flexibility. With thoughtful upgrades throughout and a peaceful atmosphere, this home offers the perfect blend of style, comfort, and practicality.
Location
Apple Valley, San Bernardino County, CA 92308
Open on Google Maps ↗Listed by: Bryn Deb · Full Scale Real Estate
Payment estimate
$3,145
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $40,950 · Loan: $368,550
- Principal & Interest
- $2,264
- 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 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 $14,333 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.
Similar Homes Nearby
Active and pending listings in ZIP 92308 (Apple Valley) within ±10% of this home's price and size.
$368,777
12794 Navajo
Apple Valley, 92308
$372,000
11220 Country Club Drive
Apple Valley, 92308
$379,500
10301 Darby Road
Apple Valley, 92308
$385,000
9459 Valley Vista
Apple Valley, 92308
$390,000
10616 Jamul
Apple Valley, 92308
$390,000
22225 Kayenta Road
Apple Valley, 92308
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.