415 21st Street
Santa Monica, CA, 90402
$5,995,000
MLS: 26846089
Beds
5
Baths
7
Sq Ft
4,750
Lot
0.21 ac
Year Built
1982
MLS #
26846089
Days on Market
5
Listed
Jun 11, 2026
Description
Nestled on one of Santa Monica's most coveted tree-lined streets in the prestigious North of Montana neighborhood, 415 21st Street is a timeless English-inspired residence. This expansive 5-bedroom, 6.5-bath home offers approximately 5,100 square feet of living space with an incredibly functional floor plan and exceptional flexibility for today's lifestyle.The first floor is designed for both comfortable daily living and entertaining, featuring two generous living spaces that can easily adapt to a variety of needs. Whether envisioned as formal living and dining rooms, a media or recreation room, playroom, home office, or a combination of uses, the layout offers remarkable versatility. At the heart of the home, the kitchen opens directly to the family room, creating a natural gathering space that connects seamlessly to the surrounding living areas. A laundry room, powder bath, and a first-floor bedroom with its own bathroom provide added convenience and flexibility.Upstairs, four spacious ensuite bedrooms offer privacy and comfort, including a generous primary suite. Each bedroom enjoys its own bathroom, creating a practical and well-balanced floor plan that offers both privacy and functionality.Beyond the main residence, the property offers valuable bonus spaces that are increasingly difficult to find. A detached structure provides the perfect opportunity for a home office, gym, creative studio, playroom, or recreation space. The converted garage includes an additional bathroom and functions as an ideal guest suite, office, or flexible-use space.Move-in ready and meticulously maintained, the home presents a wonderful opportunity to enjoy immediately while gradually incorporating your own design aesthetic and updates over time. With its substantial square footage, adaptable floor plan, multiple bonus spaces, and premier North of Montana location just moments from Montana Avenue, top-rated schools, parks, and the beach, this is a rare opportunity to create your next chapter in one of Santa Monica's most desirable neighborhoods.
Location
Santa Monica, Los Angeles County, CA 90402
Open on Google Maps ↗Listed by: Amy Wilkes · Compass
Payment estimate
$42,967
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $599,500 · Loan: $5,395,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $34,174
- Property tax (1.25%)
- $6,245
- Homeowners insurance
- $300
- Mortgage insurance
- $2,248
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $209,825 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.
★#1 Producing Individual Realtor — Antelope Valley
Only large teams outsell Mike Watson · Keller Williams Realty
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