636 Bay
Santa Monica, CA, 90405
$2,495,000
Original list price: $2,495
MLS: CV26167725
Beds
3
Baths
3
Sq Ft
2,133
Lot
0.09 ac
Year Built
1924
MLS #
CV26167725
Days on Market
1
Listed
Jul 31, 2026
Description
Your Beach House awaits! This stunning newly remodeled 3BD/3BA home blending modern design with organic warmth — just steps to the beach, pier, Main Street & 3rd Street Promenade. Open-concept living area features white oak floors & semi-custom white oak cabinetry. Chef’s kitchen boasts new appliances, Quartzite counters & 48” professional range. All bedrooms offer ensuite access. Primary suite is a true retreat w/ spa-like bath, walk-in shower & freestanding soaking tub. Newly landscaped yard perfect for al fresco dining. Flex space/garage (permitted as garage, incl. in living area for informational purposes) tastefully designed as studio/game room/creative workspace — potential ADU conversion, buyer to verify w/ City Planning. ±1,753 SF per assessor + 380 SF flex space. Coastal elegance for today’s lifestyle.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Darlene Martinez · REALTY PRO GROUP
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
$18,265
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $249,500 · Loan: $2,245,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $14,430
- Property tax (1.25%)
- $2,599
- Homeowners insurance
- $300
- Mortgage insurance
- $936
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $87,325 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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Local Market Stats
See Santa Monica, CA 90405 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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