20 Saddle
Rancho Palos Verdes, CA, 90275
$1,800,000
MLS: SR25227428
Beds
3
Baths
3
Sq Ft
2,560
Lot
1.03 ac
Year Built
1956
MLS #
SR25227428
Days on Market
129
Listed
Sep 29, 2025
Description
This remodeled 3-bedroom, 3-bath home with a spacious loft sits on a rare 1.03-acre cul-de-sac lot and feels like a true private retreat. Set back from the street and naturally sheltered, the property offers exceptional privacy throughout the yard, pool, and outdoor living areas. Inside, a bright open layout features high ceilings, an updated kitchen, and a versatile loft ideal as a 4th bedroom, office, or playroom. The primary suite includes a spa-inspired bath with peaceful, leafy views. Outdoors, enjoy a pool surrounded by greenery, multiple patios screened from view, and a private trail leading to a hidden deck — perfect for relaxing without feeling exposed. Every outdoor space is oriented for seclusion and quiet, all at the very end of a peaceful cul-de-sac, creating a “secret hideaway” feel just minutes from everything.
Location
Rancho Palos Verdes, Los Angeles County, CA 90275
Open on Google Maps ↗Listed by: Gavriel Stark · Keller Williams Realty-Studio City
Payment estimate
$12,804
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $180,000 · Loan: $1,620,000
- Principal & Interest
- $9,954
- Property tax (1.25%)
- $1,875
- Homeowners insurance
- $300
- Mortgage insurance
- $675
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 Rancho Palos Verdes home with as little as 3.5% down using an FHA loan — roughly $63,000 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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