21960 Ramona
Apple Valley, CA, 92307
$590,000
MLS: HD26064915
Beds
4
Baths
3
Sq Ft
2,085
Lot
0.72 ac
Year Built
2026
MLS #
HD26064915
Days on Market
25
Listed
Mar 26, 2026
Description
Brand New Custom Masterpiece: Exceptional Design and Prime Location Prepare to be captivated by this exquisite, brand new custom Gallagher home. Designed with over-the-top upgrades and flawless craftsmanship, this residence offers luxury living in a highly sought-after location. The magnificent approach features beautiful stonework and impressive double entry doors, leading you into a lovely, open living area. The perfect kitchen for the chef in the family is centered around a large island, ideal for cooking and entertaining. You will enjoy the wonderful living area anchored by a marvelous fireplace, creating a warm and inviting atmosphere. This beautiful home boasts a 4 bedroom, 2.5 bathroom split floor plan, offering privacy and space, including a stunning Master Suite for ultimate relaxation and spacious, well-appointed Guest Rooms. Step out to the remarkable back patio, perfect for hosting summer barbecues. Located in an absolutely prime, quiet neighborhood that is also commuter friendly, this home provides the ultimate convenience. Additionally, benefit from the significant convenience and savings of paid-off solar panels. This extraordinary, gorgeous home is complete and move-in ready for you and your family to enjoy. It truly has too many features to list and is an absolute must-see! (Please note: Photos displayed are of a previously built home).
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Charline Gallagher · RE/MAX FREEDOM
Payment estimate
$4,398
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,000 · Loan: $531,000
- Principal & Interest
- $3,263
- Property tax (1.25%)
- $615
- Homeowners insurance
- $300
- Mortgage insurance
- $221
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 $20,650 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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