823 W 20th
San Pedro, CA, 90731
$1,039,000
MLS: SB26076821
Beds
4
Baths
3
Sq Ft
2,606
Lot
0.12 ac
Year Built
1984
MLS #
SB26076821
Days on Market
6
Listed
Apr 16, 2026
Description
Welcome to Vista Del Oro, where space, views, and opportunity come together in this expansive 4-bedroom, 2,606 sq ft residence. Thoughtfully designed with both comfort and flexibility in mind, this home features a generous main living area along with a separate family room that can easily be converted into a 5th bedroom, home office, or guest suite. A welcoming foyer with soaring ceilings sets the tone, leading into light-filled living spaces ideal for both everyday living and entertaining. The kitchen is complemented by a charming breakfast nook, creating the perfect spot for casual dining. Upstairs, the spacious primary suite offers a private retreat complete with a balcony and sweeping harbor views—an ideal place to unwind. A second balcony extends from the main living area, enhancing the indoor-outdoor flow and capturing the coastal breeze. Additional highlights include a 3-car garage with a convenient interior staircase providing direct access to the home, a durable tile roof, and forced heating. The private yard offers a peaceful outdoor setting, while the adjacent unused city-owned lot—currently enjoyed by the owner—features a variety of fruit trees, including peach, lemon, orange, and grapefruit, adding a unique garden-like extension to the property. Built in 1984, this home presents a wonderful opportunity to update and personalize while adding value in a highly desirable neighborhood. Located in the sought-after Vista Del Oro community, this property combines size, versatility, and potential in one exceptional offering.
Location
San Pedro, Los Angeles County, CA 90731
Open on Google Maps ↗Listed by: Carol Anne Mills · Keller Williams Realty
Payment estimate
$7,517
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $103,900 · Loan: $935,100
- Principal & Interest
- $5,745
- Property tax (1.25%)
- $1,082
- Homeowners insurance
- $300
- Mortgage insurance
- $390
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 San Pedro home with as little as 3.5% down using an FHA loan — roughly $36,365 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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