1043 12th Street 9
Santa Monica, CA, 90403
$635,000
MLS: 26840665
Beds
1
Baths
1
Sq Ft
642
Lot
0.17 ac
Year Built
1974
MLS #
26840665
Days on Market
62
Listed
Jun 3, 2026
Description
Beautifully updated top-floor Santa Monica condo offering the perfect blend of location, comfort, and value. This light-filled 1-bedroom, 1-bath residence features a thoughtfully designed floor plan, updated finishes, and a fresh contemporary feel throughout. Situated within a charming small community just blocks from Montana Avenue, Third Street Promenade, world-famous beaches, shopping, dining, and entertainment. Low HOA dues add to the property's appeal and affordability. An exceptional opportunity to own in one of Santa Monica's most desirable neighborhoods at an attractive price point. Ideal as a primary residence, or investment property with strong rental demand, this home offers outstanding versatility and long-term value in a highly sought-after coastal location.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Salem Safadi · Ovation Management, Inc.
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
$5,287
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $63,500 · Loan: $571,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,673
- Property tax (1.25%)
- $661
- Homeowners insurance
- $300
- Mortgage insurance
- $238
- HOA dues
- $415
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 $22,225 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
Only large teams outsell Mike Watson · Keller Williams Realty
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