428 Hill Street 16
Santa Monica, CA, 90405
$699,000
MLS: 26865623
Beds
1
Baths
1
Sq Ft
717
Lot
0.34 ac
Year Built
1973
MLS #
26865623
Days on Market
2
Listed
Jul 30, 2026
Description
Perched on the top floor in the heart of Ocean Park, this west-facing one-bedroom residence combines abundant natural light, year-round sunsets, and a private balcony with one of Santa Monica's most connected coastal locations. French doors extend the living space outdoors, creating a natural setting for morning coffee, fresh ocean air, or evening sunsets. The bright living and dining areas are framed by double-pane windows and centered around a decorative fireplace. The remodeled kitchen features custom cabinetry, marble countertops, stainless-steel appliances, and generous storage and workspace. The bedroom offers comfortable proportions and ample closet space, while the full bathroom is conveniently positioned nearby. Additional features include wall heating, window screens, one assigned gated parking space, private storage at the parking stall, bike storage, and a community laundry area in the garage. Located near the intersection of Fourth and Hill, the home is approximately three blocks from Main Street and offers convenient access to the beach, Rose Avenue, Abbot Kinney Boulevard, the Santa Monica Pier, and the shops, cafes, restaurants, fitness studios, and neighborhood favorites that define Ocean Park living. Local destinations include Urth Caffe Jyan Isaac Bread, Cafe Gratitude, Vamos Vamos, Groundwork Coffee, and the Sunday Main Street Farmers Market. Top-floor positioning, west-facing light, private outdoor space, and an exceptional Ocean Park location make this a distinctive opportunity to enjoy the best of Santa Monica's coastal lifestyle.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Michael Pines · The Condo Experts
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
$5,703
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $69,900 · Loan: $629,100
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,043
- Property tax (1.25%)
- $728
- Homeowners insurance
- $300
- Mortgage insurance
- $262
- HOA dues
- $370
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $24,465 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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