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2351 Terraza Ribera, Carlsbad, CA, 92009

5beds
3baths
2,507sqft
$1,700,000
$678price/sqft
$11,057/moest. monthly cost
$442,280/yrincome needed

About This Home

Priced to sell in this highly sought after La Costa area of Carlsbad. Spacious floor plan. Light and bright. Vaulted ceilings. Gourmet kitchen with marble countertops, Sub-Zero refrigerator, 6 burner gas range, and other high-end appliances. One bedroom and full bathroom downstairs. Four bedrooms, two full bathrooms and bonus loft upstairs. The large and private primary suite includes a sitting area, separate dressing area with custom built-in closets, and remodeled bathroom. Very private backyard built for entertaining with patio, large fireplace, and valley views. Located in the Alga Hills community with low HOA, no Mello-Roos, and a community pool and spa. Minutes from top-rated schools, shopping, dining, and North County's beautiful beaches.

Getting Around

12
WalkingCar-Dependent
19
TransitMinimal Transit
10
BikeSomewhat Bikeable

Schools

7/10
San Elijo Middle SchoolGrades 6-83.3 mi
8/10
San Marcos High SchoolGrades 9-123.6 mi

Construction

Condition

  • Year built: 1992

Type & Style

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

Interior

Appliances

  • Appliances included: 6 Burner Stove,Double Oven,Dishwasher,Disposal,Gas Range,Gas Water Heater,Microwave,Refrigerator,Dryer,Washer
  • Laundry features: Washer Hookup,Electric Dryer Hookup,Gas Dryer Hookup,Inside

Bedroom

  • Features: Bedroom on Main Level

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Built-in Features,Cathedral Ceiling(s),High Ceilings,Open Floorplan,Stone Counters,Two Story Ceilings,Bedroom on Main Level,Loft,Primary Suite,Walk-In Closet(s)
  • Fireplace features: Family Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,507 sqft

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Details

  • Parcel number: 2155823200
  • Special condition: Short Sale

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: Association
  • Has spa: Yes
  • Spa features: Association
  • Fencing: Wood
  • Has view: Yes
  • View description: Valley

Lot

  • Lot size: 6,557 sqft
  • Features: Level,Rectangular Lot,Sprinkler System,Yard

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

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 FloodingRelatively High
  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Inland Flooding
Earthquake
Heat Wave
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
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 $8,596$103,152
Home Insurance *$270$3,240
Property Taxes $1,654$19,848
Electricity $537$6,451
Total$11,057$132,684
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$379,097/yr
40% on housing$331,710/yr
45% on housing$294,853/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: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$678This listing

vs Other Active Listings

Avg $/sqft

ZIP 92009$578
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92009$696
San Diego County$576

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
2026-08-03Listed for sale$1,700,000
2018-07-11Sold$910,000
1998-03-31Sold$332,000

For Sale by Agent

AgentPeter McCormick
BrokerageUSA Veterans Real Estate and Mortgage Company

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