5 Toprail Lane
Rancho Palos Verdes, CA, 90275
$1,790,000
MLS: SB26215944
Beds
4
Baths
3
Sq Ft
2,600
Lot
0.56 ac
Year Built
1952
MLS #
SB26215944
Days on Market
9
Listed
Oct 7, 2026
Description
Located on a ridgeline in Rancho Palos Verdes, this spacious property sits on approximately half an acre and offers panoramic views of the harbor, Pacific Ocean, city lights, and surrounding mountains. The home features original hardwood floors, Palos Verdes stone fireplaces, generous living spaces, and plenty of potential for a new owner to make it their own. One of the property's most unique features is its flexible layout, with two separate entrances, two kitchens, and two loft areas, creating excellent potential for two separate living spaces. The configuration may be ideal for multi-generational living, extended family, guests, or a potential two-unit/duplex-style setup. This flexibility provides the opportunity to enjoy one portion of the property while keeping the other as a separate living area. The large lot offers plenty of outdoor space for entertaining and taking advantage of the views, along with a built-in BBQ area, an attached two-car garage, and additional driveway parking. With its expansive lot, flexible floor plan, impressive views, and potential for multiple living areas, this is a unique opportunity in Rancho Palos Verdes.
Location
Rancho Palos Verdes, Los Angeles County, CA 90275
Open on Google Maps ↗Listed by: Tamas Batyi · Compass
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
$14,020
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $179,000 · Loan: $1,611,000
Average 30-yr fixed rate 7.40% as of Oct 15, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $11,154
- Property tax (1.25%)
- $1,865
- Homeowners insurance
- $300
- Mortgage insurance
- $671
- HOA dues
- $30
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 Oct 15, 2026
- 30-year fixed
- 7.40%
- 15-year fixed
- 6.71%
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 Rancho Palos Verdes home with as little as 3.5% down using an FHA loan — roughly $62,650 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.
Similar Homes Nearby
Active and pending listings in ZIP 90275 (Rancho Palos Verdes)within ±10% of this home's price and size.
$1,625,000
27 Mela Lane
Rancho Palos Verdes, 90275
$1,649,000
2334 Colt Road
Rancho Palos Verdes, 90275
$1,650,000
6402 Sealpoint Court
Rancho Palos Verdes, 90275
$1,675,000
2120 Ronsard Road
Rancho Palos Verdes, 90275
$1,699,000
6508 Sandy Point Court
Rancho Palos Verdes, 90275
$1,699,000
6527 Beachview Drive
Rancho Palos Verdes, 90275
Local Market Stats
See Rancho Palos Verdes, CA 90275 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
Free Buyer & Seller Tools
Net Sheet Calculator
Estimate how much you'll walk away with after selling. Covers commissions, closing costs, and loan payoff.
Property Comparison
Compare 2–3 properties side-by-side — equity, monthly payment, cash to close, and DTI — all in one infographic.
Drive Time Calculator
Check commute times from this address to work, school, or anywhere else before you commit.
Buyer Cost Sheet
Estimate your total closing costs as a buyer — lender fees, title, escrow, and prepaids — before you write an offer.