4102 Spencer , Torrance, CA 90503
$1,095,000
Est. Payment: $5,509.87/mo
3 Bed
3 Bath
1590 Sqft
Status: active | Days on site: 24
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

NEW CONSTRUCTION | 3 BD | 3 BA | TORRANCE, CA Some homes check boxes. This one raises the bar. Welcome to 4100 Spencer Street — a brand-new, thoughtfully designed 3-bedroom, 3-bathroom residence where modern architecture, luxury finishes, and effortless living come together in one of Torrance's most desirable neighborhoods. From the moment you step inside, the difference is undeniable. Soaring ceilings, expansive windows, and an open-concept floor plan bathe every room in natural light. The chef's kitchen is the heart of the home — quartz countertops, premium stainless-steel appliances, sleek custom cabinetry, and a generous island that makes entertaining feel effortless. The primary suite is your personal sanctuary. A spa-inspired ensuite bathroom, a custom walk-in closet, and a private Juliet balcony — all designed to help you begin and end each day exactly right. The additional bedrooms are equally well-appointed, offering the flexibility to grow, host, or create. Step outside onto your expansive balcony and take in sweeping views of the Palos Verdes hills and the city skyline. Below, a beautifully landscaped backyard offers the perfect setting for morning coffee, weekend gatherings, or simply unwinding under the Southern California sun. And the details? They're all handled. A fully paid 20-panel solar system generates excess power and keeps utility costs low. Smart home technology and energy-efficient systems throughout. A two-car garage. And all of this nestled within a private, gated two-unit complex — with absolutely no HOA fees. This is new construction living at its finest, minutes from top-rated Torrance schools, premier shopping, parks, beaches, and easy freeway access. Brand new. Move-in ready. And built for the way you actually want to live. Some photos have been virtually staged.

Highlights

Listed by Teresa Workman , 310-626-5078 Teresa Workman , 310-626-5078. CRMLS/Multi-Regional MLS mls logo

Property Type

Condo/Townhome

Lot/Acreage
0.1

Year Built

2025

County

Los Angeles

Area

131 - West Torrance

School District

Torrance Unified

Listing ID

SB26145683

Questions about this listing?

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:3
  • Bathrooms:3
  • Full Bathrooms:3
Air Cond:Central Air,ENERGY STAR Qualified Equipment
Fireplaces:
Other:Primary Suite
Other:Public

Exterior Features

Lot:0-1 Unit/Acre,No Land Lease
Garage Capacity:2
Others:2+ Total Units
Sewer:Public Sewer
Principal Interest
$5,510
Taxes
$698

Home Price

$1,095,000

Loan Details

30 yrs
6.453%

Down Payment

20%
$219,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$5,509.87

Principal

Taxes

Principal Taxes HOA Total
Monthly $5,509.87 $698.06 $0.00 $6,207.93
Yearly $66,118.40 $8,376.75 $0.00 $74,495.15
Total $1,983,552.08 $251,302.50 $0.00 $2,234,854.58

Today's Rates

30 Year

6.45%

20 Year

6.33%

15 Year

5.88%

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Market insight data is pulled from the same city as the listing being viewed (Torrance, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-08-09T00:36:01.000Z

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