1823 20th Street 103
Santa Monica, CA, 90404
$1,049,000
MLS: 26864833
Beds
2
Baths
3
Sq Ft
1,359
Lot
0.14 ac
Year Built
1991
MLS #
26864833
Days on Market
2
Listed
Aug 4, 2026
Description
Positioned in one of Santa Monica's most convenient Westside locations, this beautifully updated townhome offers easy access to the beach, top-rated Edison Elementary, Santa Monica College, Whole Foods, and the vibrant restaurants and cafes along Pico Boulevard. With low HOA dues and no neighbors directly above or below, the home combines privacy with an unbeatable coastal lifestyle. Completely refurbished in 2022, the residence spans approximately 1,359 square feet across two thoughtfully designed levels and features two spacious ensuite bedrooms and 2.5 bathrooms. The extensive 2022 renovation includes all-new floors, doors, and windows throughout, along with a completely rebuilt custom kitchen and fully upgraded bathrooms equipped with modern walk-in showers. Filled with natural light from newer windows and skylights, the interior showcases pristine hardwood floors, recessed lighting, and a dramatic open staircase with steel railings. At the heart of the home, a private open-air courtyard creates a seamless indoor-outdoor connection, offering the perfect setting for entertaining or relaxing. The inviting living room is anchored by a cozy gas fireplace (tested during initial inspection but never used; buyer to independently verify operational status during their own inspection). The adjacent dining area opens directly to the courtyard through glass doors, while the modern, rebuilt kitchen is beautifully appointed with custom cabinetry, white Caesarstone countertops, stainless steel appliances, a convenient breakfast bar, and a brand-new, never-before-used washer and dryer. Upstairs, the primary suite features dual closets, a private balcony ideal for morning coffee, and a beautifully finished bathroom with a stone vanity, floor-to-ceiling tile, and a luxury rainfall shower. The second bedroom also enjoys its own ensuite bath and opens through sliding glass doors to a bright exterior walkway. Additional highlights include a convenient upstairs laundry setup, newer central air conditioning, two side-by-side gated parking spaces, and access to a shared grassy community area. Just minutes from Santa Monica Beach and surrounded by some of the area's best shopping, dining, and everyday conveniences, this home offers an exceptional, turnkey opportunity to enjoy the absolute best of coastal living.
Location
Santa Monica, Los Angeles County, CA 90404
Open on Google Maps ↗Listed by: Richard Schulman · KW Westside 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
$8,353
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $104,900 · Loan: $944,100
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,067
- Property tax (1.25%)
- $1,093
- Homeowners insurance
- $300
- Mortgage insurance
- $393
- HOA dues
- $500
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 $36,715 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 90404 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
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