647 Navy Street
Santa Monica, CA, 90405
$2,995,000
Original list price: $3,299,000
MLS: SB26052572
Beds
3
Baths
3
Sq Ft
1,806
Lot
0.05 ac
Year Built
2026
MLS #
SB26052572
Days on Market
110
Listed
Apr 13, 2026
Description
Inspired by a modern Scandinavian gable form, this newly built Santa Monica residence is a masterclass in warmth, restraint, and intentional design. Its exterior balances crisp architectural lines with organic texture, including sustainable rice husk-based siding that offers the look of natural wood without the maintenance. Inside, a curated blend of Scandinavian and Japandi influences creates a calm, refined atmosphere. Oversized windows and strategically placed skylights flood the interiors with natural light, illuminating a cohesive palette defined by white oak cabinetry and flooring plus custom millwork. Every element has been custom-designed and built, resulting in a home where nothing feels off-the-shelf. The living spaces are sculptural yet highly livable, with clean lines, integrated functionality, and effortless indoor-outdoor connection. Oversized bifold doors open wide to create California flow, while thoughtfully integrated built-ins include a dedicated dog sleeping area discreetly incorporated into the living room. The kitchen continues the home’s refined design language with custom white oak cabinetry, striking Italian Bardiglio marble, concealed storage, hidden drawers, and built-in wine storage integrated into the island. Private spaces offer oversized hardware-less custom closets, built-in bedroom benches, built-in reading lights, and tailored storage throughout. Bathrooms blend utility with craftsmanship. The primary bath features a handmade stainless steel shower frame, hand-polished to evoke polished nickel, while the secondary bath introduces a custom checkered vanity. Integrated shower niches reinforce the home’s commitment to beauty through function. Set on a quiet Santa Monica street near Rose Avenue, Main Street, and the beach, the location adds a vibrant, walkable lifestyle to this design-forward coastal home. A rooftop deck completes the residence, offering an inviting setting for lounging, entertaining, and enjoying the neighborhood’s relaxed coastal energy.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Edward Kaminsky · eXp Realty of California, Inc
Listing information is provided courtesy of the Greater Antelope Valley Association of Realtors (GAVAR) and California Regional MLS (CRMLS). Information is deemed reliable but not guaranteed accurate by the MLS or by Mike Watson. All data, including square footage, lot size, room count, permits, and school assignment, should be independently verified. Properties shown may be listed by brokerages other than Keller Williams Realty. Listings are subject to prior sale, change, or withdrawal without notice.
Payment estimate
$21,883
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $299,500 · Loan: $2,695,500
Average 30-yr fixed rate 6.67% as of Aug 13, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $17,340
- Property tax (1.25%)
- $3,120
- Homeowners insurance
- $300
- Mortgage insurance
- $1,123
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 Aug 13, 2026
- 30-year fixed
- 6.67%
- 15-year fixed
- 5.96%
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 $104,825 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.
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.