821 Bay Street C6
Santa Monica, CA, 90405
$1,095,000
MLS: 26854861
Beds
2
Baths
2
Sq Ft
1,404
Lot
0.41 ac
Year Built
1981
MLS #
26854861
Days on Market
11
Listed
Jul 8, 2026
Description
Welcome to this bright and sun-filled architectural townhouse designed by renowned architect, Michael W. Folonis. This front-facing end unit offers 2 bedrooms, 2 bathrooms, a spacious loft, and a generous rooftop sun deck. Designed with a reverse floor plan, the bedrooms are located on the first level, while the main living area occupies the second floor. Bathed in natural light, the open-concept living space features a fireplace, dining area, and gourmet kitchen, creating an ideal setting for both everyday living and entertaining. The third-level loft provides a versatile flex space, perfect for a home office, den, or creative studio. Just beyond, is the expansive sun deck where you can relax, enjoy ocean breezes, and take in beautiful sunsets. Recent updates include newer flooring, fresh paint, recessed lighting throughout, extensively renovated bathrooms, and a new central heating and AC system. Additional highlights include in-unit laundry, two secure side-by-side parking spaces, and an oversized private storage room with ample space for surfboards, bikes, and other gear. EV chargers are in the process of being installed. Ideally located near the best of Santa Monica and Venice, you'll enjoy easy access to the beach, Main Street, the Third Street Promenade, Rose Avenue, Abbot Kinney, the Metro Line, award-winning schools, and countless shops, restaurants, and cafes.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Diana Tsow · 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
$9,055
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $109,500 · Loan: $985,500
Average 30-yr fixed rate 6.67% as of Aug 13, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,340
- Property tax (1.25%)
- $1,141
- Homeowners insurance
- $300
- Mortgage insurance
- $411
- HOA dues
- $864
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 $38,325 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.