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21565 Highland Terrace, Monte Rio, CA, 95462

2beds
1baths
708sqft
$487,000
$688price/sqft
$3,460/moest. monthly cost
$138,400/yrincome needed

About This Home

Distinctive :: Adventurous :: Unforgettable -- There was a time in Northern California when architects believed homes should live with nature rather than simply occupy it. The result was a generation of extraordinary residences defined by soaring walls of glass, warm redwood interiors, dramatic rooflines, and an effortless connection between the indoors and out. Highland Terrace captures that spirit beautifully. Perched above the surrounding landscape, this remarkable 2BR 1BA Redwood retreat feels at one with the natural setting. Expanses of glass draw the outside world inward while rich wood and concrete surfaces create warmth, texture, and a profound sense of comfort. Throughout the day, sunlight filters through the trees, casting shifting patterns across the interior as you become part of the landscape rather than separate from it. It is architecture designed not simply to shelter you, but to deepen your experience and remain in your memory long after your stay. The air carries the scent of redwood, earth, and sea. Time unexpectedly loosens its grip as you discover a multitude of cherished hide-outs for reading, dozing, and quiet connection. Consider a jaunt to the Monte Rio Beach, where paddleboards, kayaks, and lazy afternoons on the water become part of the routine. You can drift downstream beneath towering redwoods and explore the broad stretches of the Russian River, following the water westward toward Jenner, where river and ocean meet in one of California's most spectacular natural settings. World-class biking, hiking, and wineries invite leisurely afternoons. Yet no matter where the day leads, the greatest luxury remains returning home. During the winter months, the property becomes something even more magical. Rain arrives like a gentle guest, sealing off the outside as a theater of nature while the woodstove glows warmly and you cook some of your favorite meals. Books stay open longer, soft music sounds more resonant and the simple act of being home becomes deeply restorative. This Highland Terrace haven offers something increasingly rare: atmosphere, authenticity, and an emotional connection that begins the moment you arrive and lingers long after you've left. It is the kind of oasis people spend years searching for without realizing it, the kind of place people imagine when they dream about Northern California. You're invited to come experience it for yourself.

Getting Around

17
WalkingCar-Dependent
0
TransitVery Limited Transit
7
BikeSomewhat Bikeable

Schools

7/10
8/10
Analy High SchoolGrades 9-1211.0 mi

Construction

Materials

  • Foundation: Pillar/Post/Pier
  • Roof: Composition
  • Construction materials: Glass,Wood

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cottage,Mid-Century,Vintage
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Free-Standing Electric Range,Free-Standing Refrigerator,Washer/Dryer Stacked

Basement

  • Has basement: Yes
  • Basement: Partial

Bathroom

  • Level: Main

Bedroom

  • Level: Main

Bedrooms & Bathrooms

  • Bedrooms: 2
  • Bathrooms: 1
  • Full bathrooms: 1

Dining Room

  • Features: Dining/Living Combo
  • Level: Main

Features

  • Open Beam Ceiling
  • Window features: Bay Window(s)
  • Flooring: Wood
  • Number of fireplaces: 1
  • Fireplace features: Wood Burning,Wood Burning Stove
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Baseboard,Electric,Wood Stove
  • Cooling features: None

Interior Area

  • Total structure area: 708
  • Total interior livable area: 708 sqft

Kitchen

  • Features: Concrete Counter,Wood Counter
  • Level: Main

Living Room

  • Features: Deck Attached,Open Beam Ceiling,View
  • Level: Main

Master Bathroom

  • Features: Tub w/Shower Over

Master Bedroom

  • Features: Outside Access
  • Level: Main

Property

Details

  • Parcel number: 095111010000
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Patio & porch: Deck
  • Exterior features: Uncovered Courtyard
  • Has view: Yes
  • View description: Forest,Trees/Woods

Lot

  • Lot size: 0.31 Acres
  • Features: Low Maintenance,Private

Parking

  • Total spaces: 1
  • Parking features: Size Limited,Open
  • Has uncovered spaces: Yes
  • Uncovered spaces: 1

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
  • Landslide
    LandslideRelatively High
  • Earthquake
    EarthquakeModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Landslide
Earthquake
Wildfire

FEMA Declared Disasters in Sonoma County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
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 $2,462$29,544
Home Insurance *$222$2,664
Property Taxes $378$4,536
Electricity $398$4,786
Total$3,460$41,520
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$118,628/yr
40% on housing$103,800/yr
45% on housing$92,266/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: 10.2%
10.2%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -1.0%
-1.0%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$688This listing

vs Other Active Listings

Avg $/sqft

ZIP 95462$340
Sonoma County$599

vs Homes Sold Last Month

Median $/sqft

ZIP 95462$563
Sonoma County$504

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)

Price History

DateEventPrice
2026-08-14Listed for sale$487,000
2026-08-06Pending sale$487,000
2026-08-03Price change$487,000
2026-07-21Price change$499,000
2026-06-25Listed for sale$510,000
2009-12-23Sold$215,000
2009-11-13Listed for sale$225,000
2000-09-18Sold$175,000

For Sale by Agent

AgentJohn Genovese
BrokerageVanguard Properties

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