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
67
Listed
Apr 10, 2026
Description
SELLER INCENTIVE: Enjoy a Lower Mortgage Payment with Seller-Paid Rate Assistance 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 Santa Monica Pier. 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. Seller's design team may assist in finalizing ADU plans should buyer request. Create your own dream home office, gym or whatever your needs are. 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
$18,057
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $249,500 · Loan: $2,245,500
Average 30-yr fixed rate 6.52% as of Jun 11, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $14,223
- 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 Jun 11, 2026
- 30-year fixed
- 6.52%
- 15-year fixed
- 5.84%
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.
Similar Homes Nearby
Active and pending listings in ZIP 90405 (Santa Monica)within ±10% of this home's price and size.
$2,395,000
3214 Highland Avenue 4
Santa Monica, 90405
$2,400,000
2411 4th Street 2
Santa Monica, 90405
$2,499,999
212 Bay Street 103
Santa Monica, 90405
$2,650,000
125 Pacific Street 8
Santa Monica, 90405
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
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.