22346 Harbor Ridge Lane 4
Torrance, CA, 90502
$625,000
MLS: SW26067297
Beds
3
Baths
2
Sq Ft
1,287
Lot
3.84 ac
Year Built
1980
MLS #
SW26067297
Days on Market
17
Listed
Mar 28, 2026
Description
Welcome to this highly desirable two-story townhome ideally centrally located in the heart of the community—just a short walk to the pool and surrounded by well-maintained grounds. With all three bedrooms upstairs and a functional, easy-flow layout, this home offers the perfect blend of comfort, privacy, and everyday convenience. Step inside to a bright and inviting living space that flows seamlessly into the dining area and kitchen, creating a natural setup for both daily living and entertaining. The main level also features a convenient guest bathroom and direct access to your attached two-car garage—making coming and going simple and efficient. Upstairs, you’ll find all three bedrooms thoughtfully positioned for separation from the main living areas, along with a full bathroom. The layout creates a true sense of retreat while still keeping everything connected and practical. The location within the complex is a standout feature—centrally positioned with quick, easy access to the community pool, making it ideal for relaxing weekends or hosting friends and family. Additional highlights include in-unit laundry, ample storage, and a layout that lives larger than expected. Conveniently located near shopping, dining, and major commuter routes, this home offers low-maintenance living without sacrificing space or functionality. A great opportunity for both homeowners and investors—don’t miss your chance to own in this sought-after community.
Location
Torrance, Los Angeles County, CA 90502
Open on Google Maps ↗Listed by: Zachary Mennell · Allison James Estates & Homes
Payment estimate
$4,642
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $62,500 · Loan: $562,500
- Principal & Interest
- $3,456
- Property tax (1.25%)
- $651
- Homeowners insurance
- $300
- Mortgage insurance
- $234
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 $21,875 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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