400 Hay Street
Montebello, CA, 90640
$1,279,000
MLS: SR26122565
Beds
5
Baths
3
Sq Ft
2,700
Lot
0.12 ac
Year Built
1948
MLS #
SR26122565
Days on Market
11
Listed
Jun 5, 2026
Description
This exceptional Montebello gem offers the perfect blend of room to grow and smart investment value. Boasting 5 spacious bedrooms and 3 full bathrooms, this home delivers the square footage and flexibility that modern families crave, including a generous bonus family room ideal for movie nights, a playroom, or a home office. Step outside and discover even more to love — a 2-car detached garage provides ample storage and parking, while 33 fully paid-off solar panels mean dramatically reduced energy bills from day one with no lease to assume. The savings are yours to keep. Perhaps the crown jewel of this property is the Junior ADU, a self-contained unit that generates consistent monthly rental income. Whether you’re an investor, a multigenerational family, or a savvy buyer looking to house-hack, this property checks every box. Located in the heart of Montebello, you’re minutes from schools, shopping, dining, and easy freeway access to all of Los Angeles. Opportunities like this don’t last — schedule your showing today.
Location
Montebello, Los Angeles County, CA 90640
Open on Google Maps ↗Listed by: Nairy Stepanyan · Coldwell Banker Hallmark Realty
Payment estimate
$9,403
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $127,900 · Loan: $1,151,100
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $7,291
- Property tax (1.25%)
- $1,332
- Homeowners insurance
- $300
- Mortgage insurance
- $480
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 Montebello home with as little as 3.5% down using an FHA loan — roughly $44,765 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 Montebello, CA 90640 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
Only large teams outsell Mike Watson · Keller Williams Realty
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