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Sun City Apple Valley

10733 Cumberland Ct., Apple Valley, California 92308

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Big 55+ Community in Southern California Has Mediterranean-Style Homes, Two Recreation Centers, Swimming Pools, Crafts and Art Studios, Libraries, a Golf Course and More

Nestled in the shadow the San Gorgonio Mountains in southcentral California, 55+ Sun City Apple Valley is about 40 miles north of San Bernadino. Del Webb broke ground on the community in 2004, and Sun City has been growing and flourishing along the Mojave River ever since.

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The development consists of 1,700 single family homes in four collections. The 20 different floor plans range in size from 1,099 to 2,340 square feet, and most have two to three bedrooms, two to three baths, and a two or two-and-a-half car garage. Sweeping great rooms, inviting outdoor living spaces, and gourmet kitchens are common. The architecture is Mediteranean. Some homes have lawns, while others have Xeriscape landscaping (bushes, cacti, decorative rocks).

Prices begin in the low-$300,000s. The HOA fee is about $250 to $275 per month but can vary from home to home. Please verify these prices with a Realtor as they are bound to change.

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Two recreation centers offer a wealth of amenities. The 22,000 swaure foot Aspen Clubhouse has a fitness center, an indoor lap pool, a grand ballroom, an arts studio, a library, and a computer lab. Two outdoor pools, a patio, tennis courts, and bocce ball courts surround the building.

The 8,000 square foot Mariposa Lodge has an aerobics studio, a crafts studio, and a library. Outside, there are courts for tennis and bocce ball, a pool, and an amphitheater. A full-time Lifestyle Director helps to plan excursions and parties. Members of the Ashwood Golf Club enjoy a par-65 course, putting greens, and a chipping area.

Sun City has miles of trails that connect to other developments and the town of Apple Valley. Walking or biking to Victor Valley Community College events and the local farmers' market is easy. Residents can escape south to the San Bernardino National Forest or west to the 11,000 foot peaks of the San Gorgonio Mountains.

St. Mary Medical Center provides medical care.

Summer temperatures are in the high-90s and low-100s. Winter temperatures are in the 30s, 40s and 50s. On average, the area receives 13 inches of rain per year.

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Go to tinyurl.com/4ykd36ft for listings.

South Central California is a diverse region that blends rich agricultural valleys, scenic foothills, and growing urban centers. Anchored by cities such as Bakersfield, Fresno, and Visalia, the area is known as one of the most productive farming regions in the world, supplying fruits, vegetables, and nuts nationwide.

The climate is typically Mediterranean, with hot, dry summers and mild winters, though air quality can be a concern due to its geography and farming activity.

Beyond agriculture, South Central California offers access to outdoor recreation, with the Sierra Nevada mountains to the east and coastal areas a few hours to the west. The region has a lower cost of living compared to coastal California, making it appealing for families and retirees who want relative affordability paired with a central location.

The area's mix of cultural influences, strong community ties, and proximity to both nature and larger cities make it a distinctive part of the Golden State.

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Retirement and Getting a Mortgage

Retirees can absolutely get a mortgage, though the approval process works a little differently than it does for someone who is still working.

Lenders are less focused on employment income and more on whether you have reliable, ongoing sources of funds to cover the monthly payments. This might include Social Security benefits, pension income, withdrawals from retirement accounts, or investment income. Retirees may also be asked to provide documentation showing that these funds are expected to last at least three years.

While good credit and manageable debt levels are still important, many lenders recognize that retirees often have significant assets even if their monthly income is lower. In some cases, retirees may even use asset depletion loans, which allow a lender to calculate a theoretical income stream from savings and investments.

So while it may require a bit more paperwork, getting a mortgage in retirement is certainly possible.

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