21535 Pine Ridge
Apple Valley, CA, 92307
$449,000
MLS: CV26031565
Beds
3
Baths
2
Sq Ft
1,560
Lot
1.00 ac
Year Built
1974
MLS #
CV26031565
Days on Market
30
Listed
Feb 11, 2026
Description
Discover this beautifully updated home with modern finishes and soothing gray tones throughout. The bright kitchen features granite countertops, and every room has a ceiling fan for added comfort. Practical upgrades include two water heaters and a paid-off solar system at close of escrow. Outdoors offers an entertainer’s dream: an above-ground pool and Jacuzzi, an extra-large pergola, an 8'×10' storage shed plus a fully finished 8'×12' shed with a mini-split (perfect for an office or studio). The front yard is low-maintenance desert landscaping, and the landscaped backyard is divided into three fenced areas — each with double-door openings to allow drive-through access. Comfortable, functional, and move-in ready.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Tina McDowell · Wright Real Property Managemen
Payment estimate
$3,419
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,900 · Loan: $404,100
- Principal & Interest
- $2,483
- Property tax (1.25%)
- $468
- Homeowners insurance
- $300
- Mortgage insurance
- $168
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 $15,715 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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