640 W 4th Street 205
Long Beach, CA, 90802
$475,000
MLS: 25599787
Beds
2
Baths
2
Sq Ft
945
Lot
0.67 ac
Year Built
1990
MLS #
25599787
Days on Market
184
Listed
Sep 30, 2025
Description
This charming two-bedroom, two-bathroom condo offers 1,073 square feet of living space and a cozy yet open-concept feel. The spacious kitchen and living room lead out to a private balcony, perfect for enjoying city views. Located in a community with security features, residents can also take advantage of a rooftop pool and spa, adding an extra touch of luxury. The property is ideally situated near a variety of restaurants, parks, waterfront activities, and entertainment options, with a short walk to the park or beach. It's the perfect blend of comfort, convenience, and charm.
Location
Long Beach, Los Angeles County, CA 90802
Open on Google Maps ↗Listed by: Ron Davis · Wahlund & Co. Realty Group
Payment estimate
$3,600
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $47,500 · Loan: $427,500
- Principal & Interest
- $2,627
- Property tax (1.25%)
- $495
- Homeowners insurance
- $300
- Mortgage insurance
- $178
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 $16,625 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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