20520 Earl
Torrance, CA, 90503
$1,150,000
MLS: PW25240925
Beds
3
Baths
3
Sq Ft
1,883
Lot
1.23 ac
Year Built
2004
MLS #
PW25240925
Days on Market
240
Listed
Oct 16, 2025
Description
This is the best location you can find in West Torrance Area with lovely community. This house just finised remodeling and it is the best house in this coummity the gorgeous interior and space 3 bed romms with 2 and half bathrooms with 3 car garage. This house offers with award-winning schools and very close to many access to shoppings areas such as Del-Amo Shopping malls with many others. It has with living room with fire place where you can enjoy with familes and friends together with ocean air that people will love. All interior just finished with new paints and there is nothing to be worked on. The seller just finished flooring of the garage. It is brand new and it is in perfect condition. Centeral A/C and recession lights were installed. Very quite community and in the middle of the community so you will not hear any traffic noises. New laundary manchines and new refrigerator are insalled and Simply it is ready to move in condition and please come and check it out.
Location
Torrance, Los Angeles County, CA 90503
Open on Google Maps ↗Listed by: Danny Kim · New Star Realty & Investment
Payment estimate
$8,663
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $115,000 · Loan: $1,035,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,556
- Property tax (1.25%)
- $1,198
- Homeowners insurance
- $300
- Mortgage insurance
- $431
- HOA dues
- $178
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 $40,250 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.
Similar Homes Nearby
Active and pending listings in ZIP 90503 (Torrance)within ±10% of this home's price and size.
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
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.