2045 4th Street 301B
Santa Monica, CA, 90405
$699,000
MLS: 26831431
Beds
1
Baths
1
Sq Ft
699
Lot
1.27 ac
Year Built
1969
MLS #
26831431
Days on Market
14
Listed
May 22, 2026
Description
Welcome to 2045 4th Street, Unit 301B at Pacific Bay Towers, a top-floor 1-bedroom, 1-bathroom residence in the heart of Ocean Park, Santa Monica, just blocks from the beach. This light-filled condo sits on the top floor with treetop views and no neighbors above, offering a quiet, private atmosphere that's rare in a complex of this size. The functional floor plan features two walk-in closets, a large private patio with sliding glass doors, and large windows affording abundant natural light throughout. What further sets this unit apart is the parking: two deeded, separate spaces in the secure underground garage, one of the few units in the complex with this advantage. A private storage locker is also included. Residents enjoy a well-maintained pool, spa, and courtyard, secure bike and surfboard storage in the garage, community laundry with newer machines and app-based payment, and a rooftop observation deck one floor up with partial ocean and mountain views. HOA dues of $550/month cover gas, water, gardening, pool maintenance, and building-level insurance, including earthquake, making the monthly cost more inclusive than it appears at first glance. Moments from Main Street's shops, cafes, and restaurants, a short distance to the sand and the Sunday Farmers Market, easy access to Ocean View Park's tennis courts and beachside paths, and a quick bike ride to Abbot Kinney, Rose Avenue, and Venice's best dining. The Expo Line is nearby for car-free commuting; this is Ocean Park living at its most connected, close to almost everything, with easy access to the rest.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Michael Pines · The Condo Experts
Payment estimate
$5,825
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $69,900 · Loan: $629,100
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $3,985
- Property tax (1.25%)
- $728
- Homeowners insurance
- $300
- Mortgage insurance
- $262
- HOA dues
- $550
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $24,465 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 90405 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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