951 16th Street 3
Santa Monica, CA, 90403
$1,098,000
MLS: 26995581
Beds
2
Baths
2
Sq Ft
1,221
Lot
0.17 ac
Year Built
1974
MLS #
26995581
Days on Market
30
Listed
Sep 30, 2026
Description
This is the one you've been waiting for! Awesome natural & ambient light from windows and skylights; FP; updated kitchen w/ built-in diner booth; high ceilings; laundry in unit; custom master walk-in closet; Plantation shutters; updated bath w/ soaking tub; separate bonus art studio and EQ insurance all in this well maintained unit and building. Move in ready!
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: Jan Spak · Rodeo Realty- Brentwood
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
$9,318
/ month (est.)
Principal, interest, taxes, and insurance + PMI + HOA. Down payment: $109,800 · Loan: $988,200
Average 30-yr fixed rate 7.24% as of Oct 29, 2026 (Freddie Mac PMMS). Adjust to your quote.
- Principal & Interest
- $6,735
- Property tax (1.25%)
- $1,144
- Homeowners insurance
- $300
- Mortgage insurance
- $412
- HOA dues
- $728
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 29, 2026
- 30-year fixed
- 7.24%
- 15-year fixed
- 6.60%
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 $38,430 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
Only large teams outsell Mike Watson · Keller Williams Realty
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