1021 12th Street 102
Santa Monica, CA, 90403
$899,000
MLS: WS26042151
Beds
2
Baths
2
Sq Ft
1,337
Lot
0.34 ac
Year Built
1972
MLS #
WS26042151
Days on Market
44
Listed
Mar 9, 2026
Description
BEST PRICE IN TOWN! PRICE IMPROVEMENT - ASK ABOUT SELLER INCENTIVES! Walking distance to the beach & Downtown Santa Monica! Welcome to 1021 12th Street #102, a beautifully refreshed 2-bedroom, 2-bathroom condo perfectly situated in one of Santa Monica’s most desirable neighborhoods! This turn-key home has been tastefully updated throughout featuring thoughtful touches at every turn. Step inside to find fresh interior paint, new fixtures, upgraded kitchen and luxury flooring that flows seamlessly from room to room. Tandem parking space allows for two vehicles. Located just minutes from the beach, and only a few blocks from the vibrant Montana Avenue corridor—where you’ll find some of Santa Monica’s best restaurants, cafes, shops, and bars—this condo offers the perfect setting to indulge in the quintessential Santa Monica lifestyle. Zoned for top-rated schools and nestled in a peaceful, well-maintained community, this is a rare opportunity to own a stylish, affordable, and conveniently located home in one of the Westside’s most sought-after areas.Don’t miss your chance to experience coastal living at its finest—move right in and start enjoying everything Santa Monica has to offer!
Location
Santa Monica, Los Angeles County, CA 90403
Open on Google Maps ↗Listed by: JESSICA SPELLERBERG · Wedgewood Homes Realty
Payment estimate
$6,545
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $89,900 · Loan: $809,100
- Principal & Interest
- $4,971
- Property tax (1.25%)
- $936
- Homeowners insurance
- $300
- Mortgage insurance
- $337
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 $31,465 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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