4102 Spencer
Torrance, CA, 90503
$1,095,000
MLS: SB26145683
Beds
3
Baths
3
Sq Ft
1,590
Lot
0.10 ac
Year Built
2025
MLS #
SB26145683
Days on Market
25
Listed
Jul 8, 2026
Description
NEW CONSTRUCTION | 3 BD | 3 BA | TORRANCE, CA Some homes check boxes. This one raises the bar. Welcome to 4100 Spencer Street — a brand-new, thoughtfully designed 3-bedroom, 3-bathroom residence where modern architecture, luxury finishes, and effortless living come together in one of Torrance's most desirable neighborhoods. From the moment you step inside, the difference is undeniable. Soaring ceilings, expansive windows, and an open-concept floor plan bathe every room in natural light. The chef's kitchen is the heart of the home — quartz countertops, premium stainless-steel appliances, sleek custom cabinetry, and a generous island that makes entertaining feel effortless. The primary suite is your personal sanctuary. A spa-inspired ensuite bathroom, a custom walk-in closet, and a private Juliet balcony — all designed to help you begin and end each day exactly right. The additional bedrooms are equally well-appointed, offering the flexibility to grow, host, or create. Step outside onto your expansive balcony and take in sweeping views of the Palos Verdes hills and the city skyline. Below, a beautifully landscaped backyard offers the perfect setting for morning coffee, weekend gatherings, or simply unwinding under the Southern California sun. And the details? They're all handled. A fully paid 20-panel solar system generates excess power and keeps utility costs low. Smart home technology and energy-efficient systems throughout. A two-car garage. And all of this nestled within a private, gated two-unit complex — with absolutely no HOA fees. This is new construction living at its finest, minutes from top-rated Torrance schools, premier shopping, parks, beaches, and easy freeway access. Brand new. Move-in ready. And built for the way you actually want to live. Some photos have been virtually staged.
Location
Torrance, Los Angeles County, CA 90503
Open on Google Maps ↗Listed by: Teresa Workman · Teresa Workman
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
$8,184
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $109,500 · Loan: $985,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,333
- Property tax (1.25%)
- $1,141
- Homeowners insurance
- $300
- Mortgage insurance
- $411
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
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 Torrance home with as little as 3.5% down using an FHA loan — roughly $38,325 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 Torrance, CA 90503 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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