20517 Toluca
Torrance, CA, 90503
$1,499,000
MLS: SB26122920
Beds
3
Baths
2
Sq Ft
1,517
Lot
0.12 ac
Year Built
1957
MLS #
SB26122920
Days on Market
11
Listed
Jun 5, 2026
Description
Situated mid-block on a picturesque, tree-lined street, this beautifully updated turnkey home is located in one of West Torrance’s most sought-after neighborhoods. Offering exceptional walkability, the property is just steps from West High School and Victor Elementary School. Inside, an inviting open-concept floor plan welcomes you with a remodeled kitchen featuring stainless steel appliances, granite countertops, a farmhouse sink, and abundant cabinetry. Recent upgrades include stylish wood-plank flooring, new carpeting, updated moldings, and a completely renovated hall bathroom, creating a fresh and modern feel throughout. In addition to the three spacious bedrooms, the home offers a large bonus room that provides incredible flexibility and can serve as a family room, playroom, home office, gym, or fourth bedroom. The private backyard is surrounded by mature landscaping and enjoys refreshing ocean breezes, offering a peaceful setting with ample grassy space for entertaining, outdoor dining, or simply relaxing. Completing the home is an oversized two-car garage with generous storage and direct access to the interior, adding both convenience and functionality to this exceptional property.
Location
Torrance, Los Angeles County, CA 90503
Open on Google Maps ↗Listed by: Andy McGuire · Estate Properties
Payment estimate
$10,969
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $149,900 · Loan: $1,349,100
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $8,545
- Property tax (1.25%)
- $1,561
- Homeowners insurance
- $300
- Mortgage insurance
- $562
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 $52,465 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 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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