640 E Harding Street
Long Beach, CA, 90805
$775,000
MLS: PW26080844
Beds
2
Baths
2
Sq Ft
1,277
Lot
0.12 ac
Year Built
1942
MLS #
PW26080844
Days on Market
6
Listed
Apr 14, 2026
Description
Welcome to this charming home located in one of the most desirable neighborhoods of North Long Beach. This well-maintained residence offers 2 spacious bedrooms and 2 bathrooms, along with a versatile den currently used as a third bedroom—perfect for a growing family. The home features a bright and inviting layout, highlighted by a beautifully kitchen with elegant granite countertops and a dedicated dining area. Enjoy comfort year-round with central air conditioning, while upgraded windows enhance energy efficiency and natural light throughout the home. Additional upgrades include copper plumbing and an updated electrical panel, providing peace of mind for years to come. Outside, you’ll find a detached 2-car garage, a convenient carport, and a long driveway with ample space to accommodate up to four vehicles. Perfectly situated, this home offers easy access to the 91 and 710 freeways, making commuting and daily travel a breeze. Don’t miss your chance to make this exceptional property your own!
Location
Long Beach, Los Angeles County, CA 90805
Open on Google Maps ↗Listed by: Reina Franco · Coldwell Banker Envision
Payment estimate
$5,683
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $77,500 · Loan: $697,500
- Principal & Interest
- $4,286
- Property tax (1.25%)
- $807
- Homeowners insurance
- $300
- Mortgage insurance
- $291
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 Long Beach home with as little as 3.5% down using an FHA loan — roughly $27,125 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 Long Beach, CA 90805 market trends →
Median sold price, days on market, active inventory, price brackets, and 12-month trends — pulled live from the MLS.
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