21971 Ramona
Apple Valley, CA, 92307
$437,000
Original list price: $400,000
MLS: CV26162989
Beds
3
Baths
2
Sq Ft
1,816
Lot
0.50 ac
Year Built
1986
MLS #
CV26162989
Days on Market
22
Listed
Aug 4, 2026
Description
Equestrian living meets modern comfort. Welcome to this beautifully maintained single-story home situated on an approximately half-acre lot in an established Apple Valley neighborhood, offering the perfect blend of comfort, space, and flexibility. Inside, you'll find raised ceilings, recessed lighting, durable laminate flooring, a remodeled bathroom with designer tile finishes, and an inviting den complete with a cozy fireplace and wet bar. The spacious kitchen features a breakfast bar and two pantries, making it ideal for both everyday living and entertaining. Step outside to enjoy the covered patio, circular driveway, and a generous backyard with a separate corral area. According to the Town of Apple Valley, the property's equestrian residential zoning allows up to two horses and may also provide opportunities for horticultural uses and certain agricultural-related business activities with Town approval. Buyers should verify all permitted uses and approval requirements. Whether you're dreaming of extra space, room for horses, or the flexibility to create the lifestyle you've been looking for, this property offers possibilities that are becoming harder to find. Homes with this much character, versatility, and potential don't come around often. Come see what makes this one feel different.
Location
Apple Valley, San Bernardino County, CA 92307
Open on Google Maps ↗Listed by: Jesse Sanchez · PAK HOME REALTY
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
$3,460
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $43,700 · Loan: $393,300
Average 30-yr fixed rate 6.71% as of Sep 3, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,540
- Property tax (1.25%)
- $455
- Homeowners insurance
- $300
- Mortgage insurance
- $164
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 Sep 3, 2026
- 30-year fixed
- 6.71%
- 15-year fixed
- 6.04%
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 $15,295 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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