20545 S Vermont Avenue 3
Torrance, CA, 90502
$399,000
MLS: SB26057900
Beds
1
Baths
1
Sq Ft
661
Lot
5.68 ac
Year Built
1982
MLS #
SB26057900
Days on Market
17
Listed
Mar 24, 2026
Description
Welcome to Ponderosa West — a community known for its park-like grounds and resort-style amenities, including two HOA pools and a spa, with one conveniently located just steps from your front door. This ground-level end-unit condo has been beautifully updated throughout, featuring crown molding, ceiling fans, recessed kitchen lighting, and laminate wood flooring flowing through the living room, bedroom, and hallway, complemented by tile in the kitchen and dining area. Granite countertops, custom wood shutters, and an in-unit stackable washer and dryer round out the interior upgrades. The ground-floor location is a true highlight — step directly from the living room onto a spacious private patio, perfect for entertaining or unwinding outdoors. One covered carport space is included, along with ample guest parking nearby. Centrally located with easy access to the 405 and 110 freeways and just minutes from Del Amo Fashion Center, dining, and shopping — everything you need, right at your doorstep.
Location
Torrance, Los Angeles County, CA 90502
Open on Google Maps ↗Listed by: Nicholas Phillips · Compass
Payment estimate
$3,072
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $39,900 · Loan: $359,100
- Principal & Interest
- $2,206
- Property tax (1.25%)
- $416
- Homeowners insurance
- $300
- Mortgage insurance
- $150
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 Apr 23, 2026
- 30-year fixed
- 6.23%
- 15-year fixed
- 5.58%
Source: Freddie Mac Primary Mortgage Market Survey (PMMS). Updated weekly.
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 $13,965 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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