1040 4th Street 107
Santa Monica, CA, 90403
(No pictures available yet)
$595,000
MLS: 26814643
Beds
2
Baths
2
Sq Ft
1,346
Lot
0.69 ac
Year Built
1990
MLS #
26814643
Days on Market
11
Listed
Apr 29, 2026
Description
Spacious 2+2 unit, corner unit. shared sun deck. 4 blocks from the ocean, walking distance to the Third Street Promenade. Tenant occupied with Deed Restrictions. See Agent Remarks.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Peter Sayegh · Nps Management Corporation
Payment estimate
$4,531
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $59,500 · Loan: $535,500
- Principal & Interest
- $3,388
- Property tax (1.25%)
- $620
- Homeowners insurance
- $300
- Mortgage insurance
- $223
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 May 21, 2026
- 30-year fixed
- 6.51%
- 15-year fixed
- 5.85%
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 $20,825 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.
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
Only large teams outsell Mike Watson · Keller Williams Realty
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