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12121 Centralia Street 302 — Lakewood — 3 Beds • 2 Baths • 1,110 Sq Ft | Belmont Brokerage | Belmont Brokerage

Active

+32 more

$540,000

17 DOM

$486/sqft3 bd2 ba1,110 sqftHOA ~450/mo

Call

12121 Centralia St 302 Lakewood, CA 90715

1.43acre lot

Welcome to this beautifully upgraded 3-bedroom, 2-bath residence in the gated community of Lakewood Terrace. Positioned on the third floor with no one above, this 1,110 sq ft home offers privacy, natural light, and a peaceful setting with a pool view from your private balcony just off the kitchen—perfect for morning coffee or winding down at the end of the day. Inside, the home has been thoughtfully refreshed with new flooring, fresh interior paint, smooth ceilings, recessed lighting, and a smart thermostat for modern living. The living area is anchored by a cozy fireplace, creating a warm and inviting space to relax or entertain. The kitchen flows seamlessly into the dining and living areas, while in-unit laundry adds everyday convenience. Recent upgrades also include new shower glass doors, a new central AC system, and a new furnace—giving buyers confidence and comfort from day one. Additional highlights include two assigned parking spaces in the secure subterranean garage and elevator access for easy entry. Lakewood Terrace offers a true lifestyle experience with resort-style amenities including a pool, spa, clubhouse, picnic areas, and dog-friendly walking spaces within a well-maintained, gated community. Located in the highly regarded ABC Unified School District and just minutes from parks, shopping, dining, and major freeway access, this home delivers the ideal blend of comfort, convenience, and community. A rare opportunity to own a move-in ready home in one of the area’s most desirable communities.

MLS OC26055036

619-248-6434 (Office) DustyRealty@live.com

Est. payment

$3,902/mo

Principal & interestTaxesInsuranceHOA

$2,731$563$158$450

Down %

Rate %

Years

Down payment: $108,000 · Total cost: $1,090,992

Mortgage vs rent

Compare estimated owner carrying cost (same loan math as above) to a gross rent estimate from a price-based multiplier (not a comp lease).

Est. carrying cost$3,902/mo

Principal & interest: $2,731
Est. property tax: $563
Est. insurance: $158
HOA (normalized / mo): $450
Down payment: $108,000

Est. gross rent$2,250/mo

Gross rent ≈ list price ÷ (20 × 12). Adjust the multiplier to match how you underwrite (typical investor GRM bands are often ~16–24 for SFR, market-dependent).

Rent − carrying cost (illustrative)$-1,652/mo

Down payment20%

6.5% APR, 30-year amortization — same P&I formula as the payment calculator above.

Gross rent multiple (annual)20×

Not financial advice. Mortgage uses standard amortizing P&I; taxes and insurance are rough California-style estimates (1.25% / yr tax, 0.35% / yr insurance). Rent is gross (no vacancy or management); actual market rent requires comps or a lease listing.