20557 S Vermont 7
Torrance, CA, 90502
$525,000
MLS: SB26025116
Beds
2
Baths
2
Sq Ft
968
Lot
5.68 ac
Year Built
1982
MLS #
SB26025116
Days on Market
57
Listed
Feb 3, 2026
Description
Located within the serene, gated community of Ponderosa West, this well maintained first-level 2 bedroom, 2 bath residence offers privacy and tranquility. The open living area flows seamlessly to a spacious enclosed patio, ideal for indoor-outdoor entertaining or quiet relaxation, and includes a convenient storage closet. The generously sized primary suite offers an en-suite bath and walk-in closet, complemented by a versatile second bedroom well-suited for guests or a home office. Newer vinyl flooring extends throughout the home, and tile in the kitchen, hallway, and bathrooms, along with updated light fixtures. Additional features include a shared hallway bathroom, an in-unit washer and gas dryer with ample shelving, plus generous hallway storage with a linen and secondary closet. This pet friendly community features lush, manicured grounds with winding walkways, scenic bridges over tranquil streams, and resort-style amenities, including two sparkling pools and two spas, one conveniently nearby. Additional highlights include two nearby reserved side-by-side parking spaces and ample guest parking. Conveniently located near shopping, dining, major freeways, and just a short drive to the South Bay beaches, this home offers the perfect balance of comfort, convenience, and peaceful surroundings. This is a place you’ll love to call home. Contact me to schedule a tour today!
Location
Torrance, Los Angeles County, CA 90502
Open on Google Maps ↗Listed by: Tina Choi · Keller Williams Realty
Payment estimate
$3,947
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $52,500 · Loan: $472,500
- Principal & Interest
- $2,903
- Property tax (1.25%)
- $547
- Homeowners insurance
- $300
- Mortgage insurance
- $197
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 $18,375 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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