439 21st Street
Santa Monica, CA, 90402
$19,995,000
MLS: 25541291
Beds
7
Baths
8
Sq Ft
8,400
Lot
0.21 ac
Year Built
2026
MLS #
25541291
Days on Market
246
Listed
May 20, 2025
Description
Expected Completion: Fall 2026! Presenting a resort-inspired lifestyle at the prestigious and modern ENCORE, a masterfully designed residence situated in one of the most renowned zip codes in Southern California, 90402, north of Montana Avenue. From this highly coveted 21st Street location, behold striking vistas of the Pacific and discover calming ocean breezes amidst prime shopping and fine dining. This serene sanctuary affords absolute luxury, offering a unique design with an open floor plan and world-class amenities. There are seven bedrooms, seven bathrooms, a powder room, elevator, double-island kitchen fitted with state-of-the-art appliances, two wet bars, four fireplaces, and folding doors that open to invite gentle ocean winds within. Experience a life rich in comfort and leisure with an expansive rooftop deck, standalone 1,000-square-foot two-story ADU, Junior ADU, movie theatre, wine cellar, and meditation room. The rear grounds are an entertainer's dream, including a pool and spa with eight-jet water feature and LED lighting, outdoor fireplace, grassy play areas, and multiple spaces for lounging. The home's elegant form is constructed while keeping openness and clarity top of mind, allowing its light-filled interiors to seamlessly converge with the lush exteriors enveloped by soothing ocean breezes. Four levels comprise a rooftop, upper level, lobby, and basement, with a two-car garage and separate ADU. Welcome to this exquisite property offering the ultimate in resort living at the very forefront of chic, modern design. Renderings are of a similar build.
Location
Santa Monica, Los Angeles County, CA 90402
Open on Google Maps ↗Listed by: Nicole Plaxen · Sotheby's International Realty
Payment estimate
$139,194
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $1,999,500 · Loan: $17,995,500
- Principal & Interest
- $110,567
- Property tax (1.25%)
- $20,828
- Homeowners insurance
- $300
- Mortgage insurance
- $7,498
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $699,825 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.
Local Market Stats
See Santa Monica, CA 90402 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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