647 Navy Street
Santa Monica, CA, 90405
$3,299,000
MLS: SB26052572
Beds
3
Baths
3
Sq Ft
1,806
Lot
0.05 ac
Year Built
2026
MLS #
SB26052572
Days on Market
9
Listed
Apr 13, 2026
Description
Inspired by a modern Scandinavian gable form, this newly built Santa Monica residence is a masterclass in warmth, restraint, and intentional design. Its exterior balances crisp architectural lines with organic texture, including sustainable rice husk-based siding that offers the look of natural wood without the maintenance. Inside, a curated blend of Scandinavian and Japandi influences creates a calm, refined atmosphere. Oversized windows and strategically placed skylights flood the interiors with natural light, illuminating a cohesive palette defined by white oak cabinetry and flooring plus custom millwork. Every element has been custom-designed and built, resulting in a home where nothing feels off-the-shelf. The living spaces are sculptural yet highly livable, with clean lines, integrated functionality, and effortless indoor-outdoor connection. Oversized bifold doors open wide to create California flow, while thoughtfully integrated built-ins include a dedicated dog sleeping area discreetly incorporated into the living room. The kitchen continues the home’s refined design language with custom white oak cabinetry, striking Italian Bardiglio marble, concealed storage, hidden drawers, and built-in wine storage integrated into the island. Private spaces offer oversized hardware-less custom closets, built-in bedroom benches, built-in reading lights, and tailored storage throughout. Bathrooms blend utility with craftsmanship. The primary bath features a handmade stainless steel shower frame, hand-polished to evoke polished nickel, while the secondary bath introduces a custom checkered vanity. Integrated shower niches reinforce the home’s commitment to beauty through function. Set on a quiet Santa Monica street near Rose Avenue, Main Street, and the beach, the location adds a vibrant, walkable lifestyle to this design-forward coastal home. A rooftop deck completes the residence, offering an inviting setting for lounging, entertaining, and enjoying the neighborhood’s relaxed coastal energy.
Location
Santa Monica, Los Angeles County, CA 90405
Open on Google Maps ↗Listed by: Edward Kaminsky · eXp Realty of California, Inc
Payment estimate
$23,216
/ month (est.)
Principal, interest, taxes, and insurance + PMI. Down payment: $329,900 · Loan: $2,969,100
- Principal & Interest
- $18,243
- Property tax (1.25%)
- $3,436
- Homeowners insurance
- $300
- Mortgage insurance
- $1,237
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 $115,465 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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