




21565 Highland Terrace, Monte Rio, CA, 95462
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
Schools
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
- Landslide
- Earthquake
- Wildfire
How This Home’s Risks Compare
FEMA Declared Disasters in Sonoma County and California
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $2,462 | $29,544 |
| Home Insurance * | $222 | $2,664 |
| Property Taxes | $378 | $4,536 |
| Electricity | $398 | $4,786 |
| Total | $3,460 | $41,520 |
Income You'd Need if You Spent...
California FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-08-14 | Listed for sale | $487,000 |
| 2026-08-06 | Pending sale | $487,000 |
| 2026-08-03 | Price change | $487,000 |
| 2026-07-21 | Price change | $499,000 |
| 2026-06-25 | Listed for sale | $510,000 |
| 2009-12-23 | Sold | $215,000 |
| 2009-11-13 | Listed for sale | $225,000 |
| 2000-09-18 | Sold | $175,000 |
