1131 12th Street 102
Santa Monica, CA, 90403
$1,425,000
MLS: 26660489
Beds
2
Baths
3
Sq Ft
1,466
Lot
0.17 ac
Year Built
1973
MLS #
26660489
Days on Market
42
Listed
Mar 5, 2026
Description
Completely reimagined from top to bottom, this 2-bedroom, 2.5-bath townhouse-style residence in one of Santa Monica's most sought-after pockets delivers the full lifestyle package - refined finishes, thoughtful layout, and a location that rarely comes available at this price. Wide-plank white oak floors carry throughout the open main level, where a generous living room centers around a fireplace and flows directly to a private patio - your own quiet outdoor retreat steps from some of the best dining and retail in the city. The chef's kitchen is fitted with beautiful stainless appliances, quartz countertops, white shaker cabinetry, and matte black hardware throughout. Upstairs, the primary suite offers a serene escape with a large walk-in closet and a beautifully appointed en-suite bathroom featuring a double vanity and frameless glass walk-in shower. The secondary bedroom is equally generous with its own full bath. Set within a 9-unit boutique building with subterranean parking, gated entry, and in-unit laundry - this is turnkey Santa Monica living, walkable to Montana Avenue and minutes from the beach, Third Street Promenade, and the 10.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Sean Searls · Resident Group
Payment estimate
$10,199
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $142,500 · Loan: $1,282,500
- Principal & Interest
- $7,880
- Property tax (1.25%)
- $1,484
- Homeowners insurance
- $300
- Mortgage insurance
- $534
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 $49,875 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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