2249 20th Street 3
Santa Monica, CA, 90405
$699,995
MLS: 26670857
Beds
2
Baths
2
Sq Ft
1,072
Lot
0.16 ac
Year Built
1977
MLS #
26670857
Days on Market
18
Listed
Apr 2, 2026
Description
This bright, expressive, 2-bedroom, 2-bath resides on the lower level of a six-unit building in Santa Monica's Sunset Park neighborhood. An approximately 1,072-square-foot layout flows comfortably from an open living and dining to a kitchen updated with stainless steel appliances, newer cabinetry and countertops. Oversized windows flood the main living spaces with natural light. The living room is anchored by built-ins, open shelving, and a vintage lava rock style fireplace that 1970s design enthusiasts consider a rare find. A hallway lined with a full wall of built-in linen storage leads to two bedrooms. The primary suite features a walk-in closet, a separate wardrobe, and an ensuite bath with a shower. A well-proportioned second bedroom is served by a full hall bath, offering a flexible footprint for a roommate, home office, or flex space. The property includes gated tandem parking for two cars and a dedicated storage unit, with exceptionally low monthly dues of $289. East access to Virginia Avenue Park, Pico Branch Library, the Saturday Farmer's Market, and the Metro E Line. Local mainstays like Milo & Olive and Whole Foods are only moments away.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Melanie Lewis · Coldwell Banker Realty
Payment estimate
$5,162
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $70,000 · Loan: $629,995
- Principal & Interest
- $3,871
- Property tax (1.25%)
- $729
- Homeowners insurance
- $300
- Mortgage insurance
- $262
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $24,500 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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