1013 Bay Street
Santa Monica, CA, 90405
$2,800,000
MLS: 26995429
Beds
3
Baths
2
Sq Ft
2,077
Lot
0.15 ac
Year Built
1926
MLS #
26995429
Days on Market
18
Listed
Oct 1, 2026
Description
Set on a large lot, this inviting Santa Monica California bungalow offers three bedrooms, two baths and approximately 2,077 square feet of living space. A classic white picket fence and mature trees create a warm welcome. Inside, vaulted ceilings with exposed wood beams bring character and an airy sense of space to the living areas. Upstairs, the primary retreat features high ceilings and a spacious bath with a separate shower and soaking tub. Outside, the very private backyard, framed by mature hedging, offers room to play, relax, dine outdoors and entertain. Centrally located in Santa Monica, the home is close to local shops, restaurants, beaches and everyday conveniences-an appealing setting for enjoying the best of the coastal lifestyle.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Isabella Lutzi Luthje · Sotheby's International 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
$21,715
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $280,000 · Loan: $2,520,000
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $17,448
- Property tax (1.25%)
- $2,917
- Homeowners insurance
- $300
- Mortgage insurance
- $1,050
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $98,000 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 Santa Monica, CA 90405 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
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