21330 Ramona
Apple Valley, CA, 92307
$440,000
MLS: HD26126143
Beds
3
Baths
2
Sq Ft
1,317
Lot
1.29 ac
Year Built
1986
MLS #
HD26126143
Days on Market
6
Listed
Jun 10, 2026
Description
This charming 3-bedroom, 2-bathroom home sits on over an acre of land, offering plenty of space, privacy, and endless possibilities. The property features a recently replaced septic system (approximately 3 months old) and an HVAC system that is less than 2 years old, providing added peace of mind and energy efficiency. Inside, you'll find a comfortable and functional floor plan with spacious living areas and abundant natural light. Outside, the expansive lot offers ample room for RV parking, recreational vehicles, toys, animals, future additions, or creating your dream outdoor space. Conveniently located near shopping, restaurants, schools, and everyday amenities, this property combines the tranquility of rural living with easy access to town. Whether you're looking for room to grow, space for your hobbies, or simply a place to enjoy the open desert lifestyle, this Apple Valley property is full of potential. Don't miss this opportunity to own a home with acreage, RV parking, and major system upgrades already completed!
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Elma Montenegro · Keller Williams High Desert
Payment estimate
$3,432
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,000 · Loan: $396,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,508
- Property tax (1.25%)
- $458
- Homeowners insurance
- $300
- Mortgage insurance
- $165
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 $15,400 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 92307 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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