818 20th Street A
Santa Monica, CA, 90403
$735,000
Original list price: $780,000
MLS: 26841979
Beds
1
Baths
1
Sq Ft
638
Lot
0.18 ac
Year Built
1947
MLS #
26841979
Days on Market
46
Listed
Jun 17, 2026
Description
Tucked behind a quiet tree-lined street, this charming one-bedroom, one-bath home lives like a private cottage. Single-level and full of character, Unit A offers effortless everyday living with thoughtful details throughout, including a built-in dining nook perfect for morning coffee, updated appliances, windows, and the rare convenience of an in-unit washer/dryer. A private detached one-car garage accessible via the alley offers the kind of privacy and practicality rarely found in this market. The location is unbeatable: minutes from the beach and steps from the boutiques, cafes, Whole Foods, and restaurants of Montana Avenue, one of Santa Monica's most coveted neighborhoods. Whether you're strolling to brunch or biking to the beach, everything you love about the Westside is right outside your door. A true find in one of LA's most sought-after zip codes.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Tracey Becker · Compass
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
$5,941
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $73,500 · Loan: $661,500
Average 30-yr fixed rate 6.66% as of Jul 30, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $4,251
- Property tax (1.25%)
- $766
- Homeowners insurance
- $300
- Mortgage insurance
- $276
- HOA dues
- $349
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 Jul 30, 2026
- 30-year fixed
- 6.66%
- 15-year fixed
- 6.04%
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 $25,725 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 Santa Monica, CA 90403 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
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