4474 Emerald Street 31
Torrance, CA, 90503
$1,018,000
MLS: OC26124582
Beds
3
Baths
3
Sq Ft
2,193
Lot
4.48 ac
Year Built
1981
MLS #
OC26124582
Days on Market
8
Listed
Jun 8, 2026
Description
Here is the Hidden Gem you're looking for 2193 sq ft in popular area of Torrance. Property has had one owner, well cared for ready for you to make it your own. Floorplan is very desirable with three levels, three bedrooms and 2.5 baths. Spacious Primary suite has its own living area with one of two stone fireplaces found in home. Dramatic entry into formal living room which looks up to second floor formal dining room. Kitchen with breakfast bar and green house window is open to cozy family room. Property has many storage areas and walk-in closets. The double attached garage even has a large storage area at rear that would be perfect for a workshop or even an office. Enter through quaint private patio before front door. Located In popular gated Community of Emerald Glen and has a pool and spa. Property is near shopping, grocery store, pharmacy, restaurants and parks even Hospital. Top rated Schools and don't forget the ocean!
Location
Torrance, Los Angeles County, CA 90503
Open on Google Maps ↗Listed by: Kelly Klug · HomeSmart, Evergreen Realty
Payment estimate
$8,205
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $101,800 · Loan: $916,200
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $5,803
- Property tax (1.25%)
- $1,060
- Homeowners insurance
- $300
- Mortgage insurance
- $382
- HOA dues
- $660
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 Torrance home with as little as 3.5% down using an FHA loan — roughly $35,630 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 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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