1044 20th Street 11
Santa Monica, CA, 90403
$1,199,000
MLS: 26653555
Beds
2
Baths
3
Sq Ft
1,346
Lot
0.46 ac
Year Built
1975
MLS #
26653555
Days on Market
9
Listed
Mar 10, 2026
Description
This 2-bedroom, 3-bathroom condo at 1044 20th St. APT 11, Santa Monica, CA 90403, offers a unique opportunity for those seeking to establish roots in a highly desirable coastal community. The unit, spanning 1,346 square feet, presents a canvas for personalization, particularly regarding its flooring and rustic visual appeal. Situated in the Wilshire/Montana neighborhood, this residence boasts exceptional walkability and bike-ability. The Santa Monica State Beach is readily accessible, located just over a mile away, offering a perfectly distanced bicycle ride along "The Strand" bike path. This path provides access to numerous attractions, including the Santa Monica Pier, Venice Boardwalk, and Marina Del Rey.Residents will enjoy the convenience of being surrounded by a wealth of community amenities. The condo is just moments away from the esteemed shops and restaurants of Wilshire Boulevard and Montana Avenue. Additionally, Christine Emerson Reed Park offers tennis courts, a playground, and a basketball court. Nearby are major grocery stores like Trader Joe's, Erewhon, and Whole Foods.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Joshua Schwartz · Vylla Home, Inc.
Payment estimate
$8,629
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $119,900 · Loan: $1,079,100
- Principal & Interest
- $6,630
- Property tax (1.25%)
- $1,249
- Homeowners insurance
- $300
- Mortgage insurance
- $450
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
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 $41,965 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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