20435 S Vermont Avenue 7
Torrance, CA, 90502
$407,000
MLS: SB26205898
Beds
1
Baths
1
Sq Ft
654
Lot
5.27 ac
Year Built
1980
MLS #
SB26205898
Days on Market
0
Listed
Sep 26, 2026
Description
Enjoy resort-style living surrounded by serene ponds, lush grounds, winding pathways, and two sparkling pools—all while staying close to the best of the South Bay! Tucked inside the gated Ponderosa West community, this charming 1-bedroom downstairs end unit offers a cozy patio, in-unit laundry, a spacious walk-in closet, and a beautifully remodeled bathroom with a large walk-in shower. Dedicated covered parking and water and trash included in the HOA fee add everyday convenience and value. Located directly across from the new Wishing Tree Park with easy freeway access, the home is less than 10 miles from Redondo and Hermosa beaches and convenient to SoFi Stadium, Intuit Dome, Kia Forum, and Dignity Health Sports Park. Don't miss this opportunity for a peaceful place to call home with recreation, entertainment, and coastal living all within easy reach!
Location
Torrance, Los Angeles County, CA 90502
Open on Google Maps ↗Listed by: Brittany Ramos · West Shores Realty, Inc.
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
$3,781
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $40,700 · Loan: $366,300
Average 30-yr fixed rate 7.03% as of Sep 24, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $2,444
- Property tax (1.25%)
- $424
- Homeowners insurance
- $300
- Mortgage insurance
- $153
- HOA dues
- $460
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 Sep 24, 2026
- 30-year fixed
- 7.03%
- 15-year fixed
- 6.42%
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 $14,245 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 90502 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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