2704 3rd Street
Santa Monica, CA, 90405
$2,625,000
MLS: 26989727
Beds
4
Baths
2
Sq Ft
1,480
Lot
0.15 ac
Year Built
1910
MLS #
26989727
Days on Market
31
Listed
Sep 17, 2026
Description
Featured in House Beautiful, this exquisitely reimagined Ocean Park beach cottage captures the very best of coastal California living. Nestled in one of Santa Monica's most sought-after neighborhoods, the home masterfully blends timeless Craftsman charm with elevated designer finishes, creating a residence that feels both sophisticated and effortlessly relaxed. Just moments from the beach and the vibrant energy of Main Street, this rare offering presents an exceptional opportunity to experience the quintessential Ocean Park lifestyle. Thoughtfully renovated from head to toe, this timeless Craftsman bungalow blends classic architectural charm with elevated modern finishes, creating a home that is both refined and effortlessly livable. A heated front porch, framed by swaying palms, welcomes you in and sets the tone for relaxed indoor-outdoor living, perfect for morning coffee or evening unwinding while enjoying the vibrant yet laid-back energy of the neighborhood. Inside, the home is filled with curated details and thoughtful upgrades, including keyless entry, Nest climate control and security systems, and Sonos speakers seamlessly integrated throughout.The kitchen and living spaces are appointed with high-end finishes, including a Miele dishwasher, designer furnishings, full-house water filtration with purified drinking water, and spa-like bathrooms with luxury pressure shower systems. Every element has been carefully selected to enhance both comfort and style. Outdoor living is equally inviting, with a private backyard barbecue area and access to a shared community entertaining space ideal for hosting or simply enjoying the coastal air. The property also includes two off-street parking spaces with an EV charger, a rare convenience this close to the beach. Just moments from Ocean Park's beloved beach, parks, and the vibrant shops and cafes along Main Street, this location offers the ultimate blend of lifestyle and accessibility. Whether you're seeking a primary residence, a weekend retreat, or a compelling income-producing investment, this home offers exceptional versatility. Part of a rare four-residence coastal enclave, this offering presents a unique Tenancy-in-Common (TIC) ownership opportunity, combining the intimacy of a small community with the benefits of coastal investment in one of Santa Monica's most desirable neighborhoods. The seller is open to offering the home fully furnished.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Nancy Osborne · Serhant California, Inc
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$20,903
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $262,500 · Loan: $2,362,500
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $16,357
- Property tax (1.25%)
- $2,734
- Homeowners insurance
- $300
- Mortgage insurance
- $984
- HOA dues
- $527
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $91,875 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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Local Market Stats
See Santa Monica, CA 90405 market trends →
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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