20389 Earl Street
Torrance, CA, 90503
$1,350,000
MLS: SB26109723
Beds
3
Baths
3
Sq Ft
1,738
Lot
0.04 ac
Year Built
2020
MLS #
SB26109723
Days on Market
10
Listed
May 21, 2026
Description
Rare opportunity in highly desirable West Torrance! This detached townhome, built in 2020, shows like new and is ideally located just minutes from sunny beaches, premier shopping, popular restaurants, and award-winning schools. This beautifully designed two-level home features 3 bedrooms and 3 bathrooms with an open, modern layout and quality finishes throughout. The chef’s kitchen includes stainless steel GE appliances, an Energy Star French-door refrigerator, slide-in self-cleaning range, built-in microwave, and a sleek hood vented to the exterior. Additional highlights include wide-plank hardwood flooring throughout the main living areas, central air conditioning and heating, recessed lighting throughout, a luxurious freestanding soaking tub, attached 2-car garage, and an additional parking space. Located in an exceptionally well-maintained community of only 20 homes, residents enjoy low HOA dues, private patios, ample storage, and a quiet, inviting setting. A rare blend of modern comfort, prime location, and coastal lifestyle — this home truly has it all.
Location
Torrance, Los Angeles County, CA 90503
Open on Google Maps ↗Listed by: Ted Craddock · Vista Sotheby’s International Realty
Payment estimate
$10,137
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $135,000 · Loan: $1,215,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $7,696
- Property tax (1.25%)
- $1,406
- Homeowners insurance
- $300
- Mortgage insurance
- $506
- HOA dues
- $229
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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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 Torrance home with as little as 3.5% down using an FHA loan — roughly $47,250 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 Torrance, CA 90503 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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