21960 Ramona
Apple Valley, CA, 92307
$588,500
Original list price: $590,000
MLS: HD26064915
Beds
4
Baths
3
Sq Ft
2,085
Lot
0.72 ac
Year Built
2026
MLS #
HD26064915
Days on Market
124
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
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$4,509
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $58,850 · Loan: $529,650
Average 30-yr fixed rate 6.58% as of Jul 23, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,376
- Property tax (1.25%)
- $613
- 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 Jul 23, 2026
- 30-year fixed
- 6.58%
- 15-year fixed
- 5.96%
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 $20,598 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 92307 (Apple Valley)within ±10% of this home's price and size.
$549,000
24980 Flint Road
Apple Valley, 92307
$549,900
16209 Serrano Road
Apple Valley, 92307
$550,000
14065 Hopi Road
Apple Valley, 92307
$550,000
13863 Coachella Road
Apple Valley, 92307
$563,000
13931 Falling Leaf Road
Apple Valley, 92307
$564,900
23333 Taos
Apple Valley, 92307
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
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.