1040 4th Street 405
Santa Monica, CA, 90403
$3,125,000
MLS: 26659281
Beds
3
Baths
3
Sq Ft
2,243
Lot
0.69 ac
Year Built
1990
MLS #
26659281
Days on Market
151
Listed
Mar 5, 2026
Description
Premier penthouse living just four blocks from the beach and Montana Avenue.This front-facing, two-story residence offers 3 bedrooms, 3 bathrooms, and approximately 2,243 sq ft of light-filled living space. Soaring 18-foot double-height windows and French doors open to a private balcony, creating seamless indoor-outdoor flow. The open-concept living and dining areas connect to a sleek chef's kitchen with top-tier appliances and modern finishes. The main-level primary suite features a custom walk-in closet and spa-inspired bath with soaking tub, separate shower, and dual vanity. A private side patio offers an additional outdoor retreat. A versatile loft and two ensuite bedrooms provide flexible living and privacy. Glass railings enhance the bright, contemporary feel throughout. The showstopper: an expansive, exclusive rooftop deck, remarkably private and ideal for entertaining or sunset lounging. Additional highlights include a dedicated laundry room, multiple storage spaces, and three side-by-side parking spots. A rare penthouse opportunity in one of Santa Monica's most coveted locations.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Bjorn Farrugia · Carolwood Estates
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
$24,214
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $312,500 · Loan: $2,812,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $18,074
- Property tax (1.25%)
- $3,255
- Homeowners insurance
- $300
- Mortgage insurance
- $1,172
- HOA dues
- $1,413
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
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 $109,375 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
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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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