945 21st Street 4
Santa Monica, CA, 90403
$1,390,000
MLS: 26102254
Beds
2
Baths
3
Sq Ft
1,392
Lot
0.37 ac
Year Built
1973
MLS #
26102254
Days on Market
4
Listed
Oct 22, 2026
Description
Situated in one of Santa Monica's most sought-after locations, on a tranquil, tree-lined street north of Wilshire and moments from Montana Avenue, this beautifully updated two-bedroom residence combines refined interiors, inviting indoor-outdoor living, and two spacious bedroom suites with private baths. Tall, open-beamed ceilings make an immediate impression, and a warm, understated palette adds texture and continuity throughout the living spaces. The living room features a fireplace and double doors that open to a patio and connect to the dining area, which includes a beautifully crafted built-in buffet or breakfast bar and connects to the renovated kitchen. The kitchen features striking wood and stone surfaces, stainless steel appliances, and generous storage. Sliding glass doors lead to a fenced backyard balcony, creating good light and a lovely cross breeze. A powder room completes the main level. Upstairs, both bedrooms offer private full baths, ample closet storage, and plantation shutters for filtered light and privacy. The primary suite is distinguished by soaring vaulted ceilings and an updated bath with dual sinks and a large walk-in shower. A two-car private garage offers much more storage and direct access to the condo, adding immense value. The second-floor laundry area provides everyday practicality. All of this is within a boutique community of just 12 homes. Ideally situated near Franklin Elementary, Whole Foods, Douglas Park, and the beach, with Montana Avenue's neighborhood cafes, boutiques, and restaurants just a short stroll away. An ideal balance of peaceful residential living and easy access to the everyday conveniences and coastal lifestyle that make Santa Monica so special.
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Marny Maslon · Douglas Elliman 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
$11,488
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $139,000 · Loan: $1,251,000
Average 30-yr fixed rate 7.32% as of Oct 22, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $8,594
- Property tax (1.25%)
- $1,448
- Homeowners insurance
- $300
- Mortgage insurance
- $521
- HOA dues
- $625
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 Oct 22, 2026
- 30-year fixed
- 7.32%
- 15-year fixed
- 6.68%
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 $48,650 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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