21291 Ramona
Apple Valley, CA, 92307
$575,000
MLS: HD25259308
Beds
4
Baths
3
Sq Ft
2,776
Lot
1.20 ac
Year Built
1990
MLS #
HD25259308
Days on Market
153
Listed
Nov 14, 2025
Description
Welcome to The Estate, a well-maintained single-story home in Apple Valley offering space, functionality, and versatility on a large 1.2-acre lot. Dual electric gates open to a circular driveway with ample room for multiple vehicles, RV parking, boats, and off-road toys. The interior offers 2,776 square feet with four bedrooms, three bathrooms, and two separate living areas that create a flexible layout for everyday living and entertaining. The updated kitchen features white cabinetry, quartz countertops, and a large breakfast bar, along with a formal dining area and generous storage throughout. The bedrooms are notably spacious, including a well-sized primary suite, and the home’s open flow makes the space feel comfortable and easy to live in. The west wing includes an additional family room with a fireplace, along with a bedroom and bathroom that work well for guests, extended family, or flexible living arrangements. Outside, the property provides room to spread out with a covered patio, play area, storage shed, and extensive parking options. In addition to the attached two-car garage, the detached two-car garage with power and partial drywall offers strong potential for an ADU conversion, workshop, or additional storage. A newer septic system adds long-term practicality. Located near schools, shopping, and Apple Valley Country Club, this property combines usable land, RV access, garage space, and a functional single-level floor plan in a setting that’s increasingly hard to find in today’s market.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Justin Cubbins · First Team Real Estate-HighDes
Payment estimate
$4,294
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $57,500 · Loan: $517,500
- Principal & Interest
- $3,180
- Property tax (1.25%)
- $599
- Homeowners insurance
- $300
- Mortgage insurance
- $216
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 $20,125 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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