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42940 Ascona Ln, Indio, CA, 92203

2beds
2baths
2,026sqft
$629,000
$310price/sqft
$4,428/moest. monthly cost
$177,120/yrincome needed

About This Home

Sweeping golf course and mountain views in one of the valley's most coveted 55+ communities. This home sits on one of Four Seasons Terra Lago's most extraordinary lots. At 13,068 square feet with unobstructed golf course frontage and 360-degree mountain views, this 2023-built residence delivers the Coachella Valley lifestyle in full.Inside, 2,026 square feet of thoughtfully designed living space opens up under soaring 9-foot ceilings. Porcelain tile flows throughout the main living areas, plantation shutters filter the abundant desert light, and the layout moves effortlessly from the chef's kitchen, complete with quartz island, dual ovens, walk-in pantry, and stainless appliances, to the great room and out to the view-wrapped backyard.The primary suite is a genuine retreat: a custom walk-in closet and spa inspired bath with elevated finishes. A flexible den rounds out the floor plan, ready to serve as a home office, studio, or guest overflow. Every detail, from the upgraded bedroom carpet to the ceiling fans, has been considered.Outside, professionally landscaped grounds feature artificial turf, mature fruit trees, and drought smart desert plantings. A wide driveway and oversized three car tandem garage accommodate multiple vehicles, a golf cart, and include a dedicated EV charger.Utility costs are genuinely low here and a fully owned solar system pairs with access to the Imperial Irrigation District (IID), which offers significantly lower rates than most of the valley. No monthly lease, no inflated bills.Beyond your front door, the 22,000 sq ft Four Seasons clubhouse sets a new standard for resort living: fitness center, full-service salon, yoga and aerobics studios, library, billiard room, ballroom, bistro, and both indoor and outdoor pools. Golf, tennis, and pickleball are steps away, along with a robust calendar of organized social events.And when the valley calls, Acrisure Arena, casinos, world-class dining, boutique shopping on El Paseo, the Palm Springs Aerial Tramway, championship golf, hiking, and quick I-10 access to it all, you're perfectly positioned. La Quinta, Palm Desert, and Palm Springs are each a short and scenic drive away.Turn-key, no new construction wait, and ready for its next chapter. Schedule your private showing today!

Getting Around

3
WalkingCar-Dependent
0
TransitVery Limited Transit
23
BikeSomewhat Bikeable

Schools

4/10
Desert Ridge AcademyGrades 6-85.9 mi
6/10
Shadow Hills High SchoolGrades 9-125.7 mi

Construction

Condition

  • Year built: 2021

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Microwave,Refrigerator
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 2
  • Full bathrooms: 2

Features

  • Partially Furnished
  • Window features: Shutters
  • Flooring: Carpet,Tile
  • Fireplace features: Electric,Living Room,Primary Bedroom
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Fireplace(s)
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,026 sqft

Kitchen

  • Features: Kitchen Island,Quartz Counters

Property

Details

  • Parcel number: 696250001
  • Attached to another structure: Yes
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Community,In Ground
  • Patio & porch: Covered
  • Spa features: Community,In Ground
  • Has view: Yes
  • View description: Desert,Golf Course,Mountain(s),Panoramic

Lot

  • Lot size: 0.30 Acres
  • Features: Drip Irrigation/Bubblers,Irregular Lot,Planned Unit Development

Parking

  • Total spaces: 18
  • Parking features: Driveway,Garage,Garage Door Opener,Oversized
  • Has garage: Yes
  • Attached garage spaces: 3
  • Covered spaces: 6
  • Uncovered spaces: 9
  • Carport: Yes
  • Carport spaces: 3

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Inland Flooding
    Inland FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Wildfire

FEMA Declared Disasters in Riverside County and California

Earthquake
Fire
Flood
Hurricane
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $3,180$38,160
Home Insurance *$184$2,208
Property Taxes $630$7,560
Electricity $434$5,213
Total$4,428$53,136
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$151,817/yr
40% on housing$132,840/yr
45% on housing$118,080/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$310This listing

vs Other Active Listings

Avg $/sqft

ZIP 92203$212
Riverside County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 92203$283
Riverside County$315

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

No zestimate history available

Price History

DateEventPrice
2026-04-17Price change$650,000
2026-04-02Price change$662,000
2026-01-13Listed for sale$664,000
2026-01-01Listing removed$664,000
2025-11-14Price change$664,000
2025-10-28Price change$673,000
2025-08-13Price change$678,000
2025-07-28Listed for sale$692,000
2023-07-28Sold$548,790
2023-06-05Pending sale$534,990
2023-05-26Price change$534,990
2023-05-23Price change$549,990
2023-03-31Price change$561,990
2023-03-16Price change$572,990
2023-03-07Price change$571,990
2023-03-02Price change$573,990
2023-02-24Price change$572,050
2023-01-25Price change$496,990
2022-12-15Price change$499,990
2022-11-20Price change$482,900
2022-11-16Price change$479,990
2022-10-22Listed for sale$512,000

For Sale by Agent

AgentJames Suer, LPT Realty
BrokerageLPT Realty

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