19804 Haida Rd Apple Valley, CA 92307
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About this home
Welcome to 19804 Haida Rd, a beautifully maintained 4-bedroom, 3-bathroom residence offering 2,488 sq ft of thoughtfully designed living space on an expansive 0.42-acre lot with an additional detached garage/potential ADU/apartment. Built in 1996, this home blends timeless architecture with modern amenities—perfect for families, entertainers, or anyone seeking peaceful desert living. Step inside to discover a spacious and open floor plan with multiple living areas ideal for gatherings or quiet relaxation. The well-appointed kitchen, generous bedrooms, and three full bathrooms offer both comfort and functionality. Outside, enjoy a fully fenced backyard with gated 40' RV parking and a detached RV garage—easily convertible to an accessory dwelling unit (ADU) or workshop. A convenient 10'x12' shed provides additional storage. The expansive lot offers plenty of room for gardening, recreation, or future enhancements. Located in a quiet, well-established neighborhood, this home is in the Rio Vista Elementary School attendance area and provides quick access to shopping, dining, and Apple Valley’s many amenities. Level 2 Electric Vehicle (EV) Charger: Future-ready convenience with a dedicated Level 2 EV charger installed in the attached garage—ideal for fast and efficient home charging of your electric vehicle. Don’t miss this opportunity to own a property that combines space, flexibility, and a prime location. 19804 Haida Rd is more than a home—it’s your next chapter. The information provided in this listing is believed to be accurate but is not guaranteed. Buyers should independently verify all details, including square footage, zoning, and school districts. The seller, listing agent, and brokerage make no representations or warranties regarding the accuracy or completeness of this information. Ask about the buyer assuming the FHA assumable 3.5% 1st mortgage.
Source: CRMLS #HD25096761
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FAQs
Roam is your trusted partner for affordable home ownership. We help manage the assumption process from start to finish, enabling homebuyers to easily purchase their next home with a low-interest rate mortgage attached.
To qualify, you must meet the current FHA, VA, or USDA loan requirements depending on the type of loan you are assuming. This typically means a minimum credit score of 580, although most lenders prefer 620-640. Your debt-to-income ratio should be under the 50% max under FHA guidelines. Additional information such as employment history, explanations of income for each applicant, and asset verification for a down payment may be needed to process the loan.
An assumable mortgage is a type of home loan that allows a homebuyer to take over the existing mortgage terms from the seller, with no cost to the seller. Many government-backed loans, such as FHA and VA loans, are eligible for assumption, and millions of these mortgages are available.
When interest rates on mortgages are high, assuming a mortgage with a rate as low as 2% allows buyers to save up to thousands monthly compared to buying a home with a traditional mortgage at today’s average rates of 7%. A low-rate assumable mortgage could be the key to finding your dream home at an affordable price.
Roam has compiled available listings with low-rate assumable mortgages for you to browse. To get started, enter the city, state, zip code, or school district you’re interested in purchasing in. Utilize the search filters to narrow down your search. Click “Save search” to save your search preferences and activate listing notifications—we’ll email you as soon as new listings match your criteria.
Once you’ve found your dream home and ready to make an offer, schedule a call with a Roam Advisor directly from the listing. Your Roam Advisor will guide you through each step of the process, while also working directly with your agent, the servicer, and the seller to ensure you close on time.
When assuming the existing mortgage as part of a home purchase, the buyer has to cover the seller’s equity in the home. The seller’s equity is the purchase price minus the remaining mortgage balance. This amount must be covered in full through an all-cash down payment or by taking out a second mortgage.
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