640 W 4th 101
Long Beach, CA, 90802
$330,000
MLS: SW26017237
Beds
1
Baths
1
Sq Ft
644
Lot
0.67 ac
Year Built
1990
MLS #
SW26017237
Days on Market
57
Listed
Jan 23, 2026
Description
SELLER FINANCING AVAILABLE. Welcome home to 640 W 4th Street, a rare and well-located one-bedroom, one-bath condo in the heart of Downtown Long Beach. This first-floor unit is conveniently located near the front entrance, offering easy access in and out of the building. One-bedroom residences in this community are seldom available, and this home stands out with an exceptionally large private patio, delivering true indoor-outdoor living that’s hard to find downtown. Inside, the home features a practical and comfortable layout where the kitchen, dining, and living areas connect naturally—ideal for everyday living or casual entertaining. The kitchen is efficiently designed with a clean, functional workspace. The bedroom offers a comfortable retreat, and the bathroom is well-appointed and thoughtfully laid out. The oversized patio is the highlight—perfect for morning coffee, outdoor dining, or creating your own urban oasis. It’s an ideal extension of the living space and a rare feature for a downtown condo. The building offers secured entry, underground parking, and a resort-style rooftop pool, providing both convenience and a relaxing escape. All of this is just moments from Downtown Long Beach’s dining, shopping, entertainment, and nightlife, with easy freeway access and nearby parks.
Location
Long Beach, Los Angeles County, CA 90802
Open on Google Maps ↗Listed by: Stephen Batiz · NextHome West Realty
Payment estimate
$2,592
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $33,000 · Loan: $297,000
- Principal & Interest
- $1,825
- Property tax (1.25%)
- $344
- Homeowners insurance
- $300
- Mortgage insurance
- $124
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 $11,550 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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