821 Bay St C5
Santa Monica, CA, 90405
$1,100,000
MLS: SB26019619
Beds
2
Baths
2
Sq Ft
1,404
Lot
0.41 ac
Year Built
1981
MLS #
SB26019619
Days on Market
47
Listed
Feb 4, 2026
Description
Step into this bright, sun-filled, architectural townhouse offering a 2-bedroom + loft layout designed for both comfort and style. The reverse floor plan places two bedrooms on the first level, sharing a full bathroom—perfect for privacy and separation from the main living spaces. Upstairs, the main living level is filled with natural light and anchored by dramatic windows that soar to the high ceiling, creating an open, airy atmosphere. This inviting space includes a cozy living room with fireplace, dining area, a well-appointed kitchen with Viking appliances, and an additional bathroom—ideal for everyday living and entertaining. The top floor features a versatile loft, offering the flexibility of a home office, guest space, or potential third bedroom. Step outside to the upper deck, an ideal spot for hosting friends or enjoying coastal evenings. Additional highlights include full-size side-by-side laundry, central A/C and heat, fresh paint, and two secure side-by-side parking spaces. Set within a well-maintained community, this home is just minutes from Montana Avenue, Main Street, and the Santa Monica beach, with easy access to world-class dining, shopping, parks, freeways, and public transportation. Whether you’re looking for a primary residence, a coastal retreat, or a smart investment, this Santa Monica condo delivers exceptional light, location, and livability.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Kai Ito · Compass
Payment estimate
$7,941
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $110,000 · Loan: $990,000
- Principal & Interest
- $6,083
- Property tax (1.25%)
- $1,146
- Homeowners insurance
- $300
- Mortgage insurance
- $413
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 Santa Monica home with as little as 3.5% down using an FHA loan — roughly $38,500 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.
★#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.