643 Bay St, a 1963 low-rise in Santa Monica.
643 Bay St is a 16-residence community located in Santa Monica. The building dates to 1963 and is a single-story building. Residents enjoy a barbecue, extra storage, paddle tennis, a sun deck, and a pool.
Contact a Condos of LA advisor for current availability, pricing, and a private tour of 643 Bay St.
Condos for sale & rent at 643 Bay St
Listings update automatically from the MLS. Availability and pricing are provided by the listing brokerages.
Recent sales at 643 Bay St
| Date | Residence | Beds/Baths | Sq Ft | Sale price | $/Sq Ft | HOA dues |
|---|
Closed sales at 643 Bay St from MLS records.
Amenities & services
What to know before you buy at 643 Bay St
The details that make or break a condo decision: current HOA dues and what they cover, parking, and the building's pet & leasing rules. Our advisors pull these straight from the building's HOA documents for any residence you're weighing.
Learn moreCompiled from public sources · last reviewed July 2026. We confirm current dues, reserves, lender and policy details for any residence you're considering.
Can you finance a condo at 643 Bay St?
At 16 residences, 643 Bay St gets a Full Review of the HOA's finances for any conventional loan (required for buildings over 10 units since August 3, 2026). For loan applications dated January 4, 2027 or later, the review tests whether the budget puts at least 15% of dues into reserves, or funds the reserve study's top recommendation. Expect the lender to ask for the HOA questionnaire, budget, reserve study and insurance; applications dated before January 4, 2027 are reviewed at 10%.
SB 326 calls for a licensed inspection of wood-supported balconies, decks and stairs in buildings with 3 or more attached units. If 643 Bay St has them, the latest report has been part of the resale package since January 1, 2026, and a failed report may matter to a lender. SB 326, explained.
Conventional loans go up to $1,249,125 in LA County in 2026. Above that, a jumbo lender applies its own condo rules, and a non-QM loan, built for buildings or buyers outside agency rules, typically means more down and a higher rate.
We'll follow up personally with what to ask the HOA at 643 Bay St for, and what we find once the documents arrive.
Get a building check for 643 Bay StMore on the rules: warrantable vs. non-warrantable condos and the 2027 condo loan rules.
General information as of October 27, 2026. This isn't lending advice; a lender's review decides whether a specific loan works in this building.
In the heart of Santa Monica
643 Bay St places you at the center of Santa Monica, with the neighborhood's dining, shopping and character just outside your door and the rest of Los Angeles within easy reach.