640 W 4th 315
Long Beach, CA, 90802
$449,900
MLS: OC26084996
Beds
2
Baths
2
Sq Ft
915
Lot
0.67 ac
Year Built
1990
MLS #
OC26084996
Days on Market
2
Listed
Apr 20, 2026
Description
GREAT BONES, GREAT LOCATION, GREAT OPPORTUNITY. This Downtown Long Beach condo is your chance to step into a vibrant coastal lifestyle and make a space truly your own. Ideally located just minutes from Shoreline Village, the Aquarium of the Pacific, restaurants, shopping and entertainment, the setting offers the best of walkable city living with easy freeway access when you need it. Parks, green space and local schools are all nearby, adding to the everyday convenience. Inside, the home offers a functional, open layout with a private balcony for fresh air and outdoor relaxation. Start your day on the balcony with a cup of coffee or choose to unwind after a long day with the coastal air. The primary suite includes a walk-in closet and en-suite bath, while in-unit laundry and a recently updated kitchen with recessed lighting and newer appliances provide a turn-key property. The community is secure, pet-friendly and well-equipped with elevator access and peaceful landscaped areas with water features and a rooftop pool and spa that overlooks Long Beach's city scape. Whether you are looking for a place to make your own or a long-term investment in a strong location, this is a flexible opportunity with plenty of upside in the heart of Long Beach.
Location
Long Beach, Los Angeles County, CA 90802
Open on Google Maps ↗Listed by: Pamela Etem · The OC Real Estate
Payment estimate
$3,425
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $44,990 · Loan: $404,910
- Principal & Interest
- $2,488
- Property tax (1.25%)
- $469
- Homeowners insurance
- $300
- Mortgage insurance
- $169
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 $15,747 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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