4489 Spencer 112
Torrance, CA, 90503
$1,090,000
MLS: SB26006956
Beds
4
Baths
3
Sq Ft
2,139
Lot
1.08 ac
Year Built
1998
MLS #
SB26006956
Days on Market
12
Listed
Mar 27, 2026
Description
Welcome to luxury living in the beautiful “Pacific Verdes” gated townhouse community. Newer (built in 1999) two level home in the best location in West Torrance. This spacious home features four bedrooms and three bathrooms with 2139 sq ft of living space. Bright and airy end unit facing east, south and west. This beautiful unique home is designed and built for two or three generations enjoying life together! The Mother- or Father-in-law apartment downstairs consists of a living room with cathedral ceiling, gas fireplace and recessed lighting and leads to a second master bedroom suite and bathroom with a walk-in shower. Large double patio doors lead to a cozy backyard. The formal dining leads to the beautiful kitchen with granite counters and lots of cabinets and family dining area. Brand new hardwood flooring has been just installed downstairs and upstairs. A spiral staircase leads to the second floor that features your master bedroom suite with a large balcony to enjoy the cool South Bay breezes. The master bathroom features plenty of cabinets and a large bathtub and large walk-in glass shower. Adjacent is a very spacious walk-in-closet. Lower level consists of attached two car garage and a storage / laundry room with lot of cabinets and shelving. Wonderfully maintained gated community with a long lap pool, spa and party room. All of the community's roof's underlayment have been replaced in the past year. Easy walk two blocks to Victor Elementary School and the award-winning West Torrance High School. Five minutes to the 405, 91 and 10 min to 110 freeways. Twenty minutes' drive to LAX. Close to Del Amo Fashion center mall, H-mart, Walmart, Target, 99 Ranch Market, AMC Movie Theaters, shopping and great variety of dining.
Location
Torrance, Los Angeles County, CA 90503
Open on Google Maps ↗Listed by: Eddie Yeh · Keller and Associates Realty
Payment estimate
$7,872
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $109,000 · Loan: $981,000
- Principal & Interest
- $6,027
- Property tax (1.25%)
- $1,135
- Homeowners insurance
- $300
- Mortgage insurance
- $409
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 Torrance home with as little as 3.5% down using an FHA loan — roughly $38,150 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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