21625 Saddle Peak Road
Topanga, CA, 90290
$2,800,000
Original list price: $2,795,000
MLS: 26842963
Beds
4
Baths
3
Sq Ft
3,310
Lot
1.04 ac
Year Built
1979
MLS #
26842963
Days on Market
14
Listed
Jun 3, 2026
Description
Life on the top of Saddle Peak is different. You feel it the moment you arrive: the sense of living above it all. This is the high ground above Fernwood, near the top of the canyon. The views are the first thing and the last. Santa Monica Bay opens up across the front of the house, the coastline runs south past the city, and at night the lights come on all the way to the water. Decks wrap both levels, so the view stays with you through the day.Inside, the home is wood and glass, built to take it all in. Wide-plank white oak runs through the main level, under high, beamed ceilings. A fireplace warms the great room, which opens through glass walls to the deck and the view beyond. The kitchen is streamlined and contemporary, made for real cooking and easy gathering. The primary suite has its own fireplace and its own quiet, and a separate bonus room works as a media room, an office, or a fourth bedroom. Outside is where the canyon really lives. The decks step down to an outdoor kitchen, a hot tub, and an outdoor shower. Native plants and wild hillside surround it all, the way Topanga is meant to look. The lot is large and usable, just over an acre, with room to garden, gather, and roam, and orange, lemon, avocado, and peach trees on the slope. A detached garage is ready to become a studio, a workshop, or a yoga space. This is one of Southern California's most beautiful settings, minutes from the Westside and the beaches, with award-winning Santa MonicaMalibu schools and about twelve minutes down to PCH. Quiet at the top, the whole coast in front of you.
Location
Topanga, Los Angeles County, CA 90290
Open on Google Maps ↗Listed by: Melissa Oliver · Coldwell Banker Realty
Payment estimate
$20,228
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $280,000 · Loan: $2,520,000
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $15,961
- Property tax (1.25%)
- $2,917
- Homeowners insurance
- $300
- Mortgage insurance
- $1,050
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 Topanga home with as little as 3.5% down using an FHA loan — roughly $98,000 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
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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
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