3420 W 186th Street
Torrance, CA, 90504
$1,125,000
MLS: DW26005381
Beds
3
Baths
2
Sq Ft
1,204
Lot
0.12 ac
Year Built
1950
MLS #
DW26005381
Days on Market
25
Listed
Mar 26, 2026
Description
Welcome to this beautifully renovated 3 bedroom, 2-bathroom home located in desirable Torrance neighborhood. Featuring a bright open floorplan, the front living area flows through to the dining area and kitchen. The kitchen has been updated with new cabinets, sleek quartz counter tops, tile backsplash, stylish fixtures, and stainless-steel appliances. The spacious primary bedroom has attached ensuite bathroom and access to outdoor patio. Both the primary and hall bathroom feature new vanities, stylish new fixtures, and custom tile work. Other features include freshly painted interior and exterior, new luxury flooring throughout the living area and bedrooms, vinyl windows, new interior doors, new plumbing and light fixtures, HVAC system, new water heater, new garage door and motor.. This home is great for fun and entertainment with a great outdoor space. The private enclosed backyard has a large patio and a manicured yard. There is a two-car detached garage with additional off-street parking and gated driveway. Detached two car garage and spacious yard offers possible ADU potential. Buyer to verify all building codes and ADU guidelines with the city
Location
Torrance, Los Angeles County, CA 90504
Open on Google Maps ↗Listed by: Judi Reimer · First Team Real Estate
Payment estimate
$8,115
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $112,500 · Loan: $1,012,500
- Principal & Interest
- $6,221
- Property tax (1.25%)
- $1,172
- Homeowners insurance
- $300
- Mortgage insurance
- $422
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 $39,375 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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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.
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