1021 12th Street 303
Santa Monica, CA, 90403
$649,000
Original list price: $659,000
MLS: 26873507
Beds
1
Baths
1
Sq Ft
804
Lot
0.34 ac
Year Built
1972
MLS #
26873507
Days on Market
61
Listed
Aug 17, 2026
Description
Perched on the top floor at 1021 12th Street, Unit 303 offers a rare penthouse opportunity in one of Santa Monica's most desirable neighborhoods. This beautifully renovated, move-in-ready one-bedroom residence features an impressive 804 square feet of stylish living space, along with the added privacy and tranquility of having no neighbors above.Ideally situated just two blocks from Montana Avenue, the home is moments from some of Santa Monica's best restaurants, cafs, boutiques, and shopping. Wilshire Boulevard is only one block away, while the beach, Palisades Park, and the Santa Monica Bluffs are less than a mile from your front door.Sought-after southwest exposure fills the thoughtfully designed floor plan with natural light, creating a bright, open, and inviting atmosphere.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Jack Bitton · Power Brokers
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
$5,726
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $64,900 · Loan: $584,100
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,044
- Property tax (1.25%)
- $676
- Homeowners insurance
- $300
- Mortgage insurance
- $243
- HOA dues
- $462
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 $22,715 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 90403 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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