202 Watson St, Monterey, CA, 93940
About This Home
Welcome to 202 Watson Street, a rare duplex offering panoramic bay views, with sweeping vistas of Monterey harbor and its sail, fishing, and whale watching boats, the downtown skyline with its twinkling city lights, and distant mountains beyond. Ideally located minutes from downtown Monterey and its shops and restaurants, plus the historic charm of Fisherman's Wharf, this address puts the best of Monterey at your doorstep. Besides the view and location, the duplex offers an excellent opportunity for a multi generational family, with views enjoyed from both units! Upstairs, Unit A offers 2 beds and 1 bath across 1,338 square feet of light filled living space, a deck off the dining area, kitchen and back bedroom, a fireplace and bonus air conditioning system. Downstairs, Unit B offers 3 beds and 1.5 baths across 1,434 square feet, opening onto a patio and backyard. The spacious backyard offers a producing apple tree and storage shed, along with a garage and additional parking that complete this rare offering. Whether you are envisioning multi generational living, an investment opportunity, or simply want to own a slice of Monterey with unforgettable views, this home is ready to welcome its next chapter.
Getting Around
Very Walkable
Some Transit
BikeableSchools
Construction
Condition
- Year built: 1929
Materials
- Foundation: Concrete Perimeter,Pillar/Post/Pier
- Roof: Composition, Shingle
Type & Style
- Home type: SingleFamily
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Gas Cooktop,Dishwasher,Exhaust Fan,Disposal,None,Built In Oven/Range,Trash Compactor
- Laundry features: Gas Dryer Hookup,Inside
Basement
- Has basement: Yes
- Basement: Unfinished
Bathroom
- Features: ShoweroverTub1, StallShower, Tile, UpdatedBaths, FullonGroundFloor, HalfonGroundFloor
Bedrooms & Bathrooms
- Bedrooms: 5
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Features: DiningArea, FormalDiningRoom
Family Room
- Features: NoFamilyRoom
Features
- High Ceilings,Vaulted Ceiling(s),Wet Bar
- Flooring: Carpet,Other,Tile
- Number of fireplaces: 1
- Fireplace features: Gas Starter,Living Room
Heating & Cooling
- Heating features: Central Forced Air Gas,Fireplace(s)
- Cooling features: Ceiling Fan(s),Central Air
Interior Area
- Total structure area: 2,772
- Total interior livable area: 2,772 sqft
Kitchen
- Features: Countertop_Tile, ExhaustFan, Hookups_Gas
Property
Details
- Parcel number: 001375025000
- Zoning: R2
- Special condition: Standard
Features
- Stories: 2
- Patio & porch: Balcony/Patio,Deck
- Exterior features: Back Yard,Fenced,Storage Shed Structure
- Fencing: Back Yard,Mixed Height Type
- Has view: Yes
- View description: Bay,City Lights,Ocean
- Has water view: Yes
- Water view: Bay,Ocean
Lot
- Lot size: 5,400 sqft
- Features: Mostly Level
Parking
- Total spaces: 2
- Parking features: Detached,Garage Door Opener,On Street
- 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
- Earthquake
- Coastal Flooding
- Inland Flooding
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in Monterey 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 | $12,019 | $144,228 |
| Home Insurance * | $418 | $5,016 |
| Property Taxes | $2,554 | $30,648 |
| Electricity | $594 | $7,133 |
| Total | $15,585 | $187,020 |
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 |
|---|---|---|
| 2026-08-03 | Listed for sale | $2,377,000 |
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