451 16th Street
Santa Monica, CA, 90402
$6,950,000
MLS: 26759973
Beds
3
Baths
4
Sq Ft
3,260
Lot
0.17 ac
Year Built
1924
MLS #
26759973
Days on Market
0
Listed
Apr 22, 2026
Description
Nestled in the coveted North of Montana neighborhood, this beautifully reimagined Contemporary Spanish residence blends timeless character with a fresh, refined aesthetic. Warm, light filled interiors define the open concept living spaces, where a thoughtfully designed kitchen, anchored by an expansive island ideal for casual dining and gathering, flows seamlessly into the family room and intimate dining area. The main residence offers 3 luminous bedrooms and 2.5 baths, all situated on a single level. A loft above the primary suite provides a peaceful, elevated retreat, ideal for a private office or reading lounge, complete with its own balcony. Outdoors, a sun-drenched setting unfolds with a hot tub and pool featuring swim-in-place jet technology, a built-in fire feature, and a dining terrace conveniently located just off the kitchen, creating effortless indoor-outdoor flow. A detached guest house adds exceptional versatility, well suited for guests, a private office, or a studio. Above the guest house, an additional upper-level bonus space offers flexibility for a gym, creative workspace, or other adaptive use. Ideally located just moments from Montana Avenue's boutiques, cafes, and dining, and in close proximity to Palisades Park and Santa Monica State Beach, this home offers effortless coastal living within one of Santa Monica's most sought-after neighborhoods and its acclaimed school district.
Location
Santa Monica, Los Angeles County, CA 90402
Open on Google Maps ↗Listed by: Neyshia Go · Sotheby's International Realty
Payment estimate
$48,578
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $695,000 · Loan: $6,255,000
- Principal & Interest
- $38,432
- Property tax (1.25%)
- $7,240
- Homeowners insurance
- $300
- Mortgage insurance
- $2,606
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 $243,250 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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