636 Bay
Santa Monica, CA, 90405
$2,495,000
MLS: PW26077684
Beds
3
Baths
3
Sq Ft
2,133
Lot
0.09 ac
Year Built
2006
MLS #
PW26077684
Days on Market
10
Listed
Apr 10, 2026
Description
Welcome to 636 Bay Street—where coastal living meets modern design, just moments from the beach. Ideally located in the heart of Santa Monica, this beautifully remodeled 3-bedroom, 3-bath home offers the ultimate in walkability—just steps to the sand, the pier, Main Street dining, boutique shopping, and the iconic 3rd Street Promenade. Thoughtfully redesigned with a blend of organic warmth and contemporary sophistication, the home features an open-concept layout anchored by white oak floors and semi-custom white oak cabinetry, creating a light, airy aesthetic throughout. The chef’s kitchen is both functional and striking, complete with Quartzite countertops, new appliances, and a 48-inch professional range—perfect for entertaining or everyday living. Each bedroom is designed with comfort and privacy in mind, offering ensuite access, while the primary suite serves as a true retreat with a spa-inspired bath, walk-in shower, and freestanding soaking tub. The outdoor space is equally inviting, with newly landscaped grounds ideal for relaxing or hosting under the coastal sky. Adding to the home’s versatility, the approximately 380 sq ft bonus flex space/garage (currently permitted as a garage and included in the overall square footage for informational purposes) has been thoughtfully finished as a studio, game room, or creative workspace. With the main home measuring approximately 1,753 sq ft per the assessor, this additional space enhances both functionality and lifestyle. Potential for ADU conversion may exist—buyer to verify with the City of Santa Monica. This is a rare opportunity to own a turnkey coastal property that seamlessly blends design, location, and lifestyle—just moments from everything that makes Santa Monica one of the most desirable places to live.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Robert Fragoso Jr. · Bill Kim, Broker
Payment estimate
$17,631
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $249,500 · Loan: $2,245,500
- Principal & Interest
- $13,797
- 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 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 $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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