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4205 Golden Oaks Ln, Monterey, CA, 93940

1beds
1baths
560sqft
$450,000
$804price/sqft
$3,208/moest. monthly cost
$128,320/yrincome needed

About This Home

This is a great one bedroom condo with bonus room in Monterey walking distance to the Del Monte Shopping Center. This unit is located on the second floor, tile and carpeted floors., electric range, stainless steel appliances. Garbage Disposal, gas fireplace, enclosed balcony, central heat, lots of closet space and much more, The complex offers covered parking, pool with clubhouse, coin-op laundry. 1 Small pet is negotiable. Close to shopping and schools. Garbage, water and sewage are included.. available now. Currently tenant occupied Monterey Peninsula is home to Cannery Row, Fisherman's Wharf and the Monterey Bay Aquarium. Popular destinations also include Big Sur, Pebble Beach and the City of Carmel

Getting Around

64
WalkingSomewhat Walkable
29
TransitSome Transit
31
BikeSomewhat Bikeable

Schools

6/10
Monte VistaGrades K-80.6 mi
8/10
Monterey High SchoolGrades 9-120.8 mi

Construction

Condition

  • Year built: 1980

Materials

  • Foundation: Other
  • Roof: Tile

Type & Style

  • Home type: Condo
  • Property subType: Condominium,Residential

Interior

Appliances

  • Appliances included: Electric Cooktop,Dishwasher,Disposal,Range Hood,Microwave,Oven/Range,Refrigerator
  • Laundry features: Community Facility

Bathroom

  • Features: Tub

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas Starter
  • Common walls with other units/homes: End Unit

Heating & Cooling

  • Heating features: Electric
  • Cooling features: None

Interior Area

  • Total structure area: 560
  • Total interior livable area: 560 sqft

Property

Details

  • Parcel number: 001945009000
  • Zoning: r1
  • Special condition: Standard

Features

  • Pool features: Heated,In Ground
  • Patio & porch: Balcony/Patio,Deck

Lot

  • Lot size: 522 sqft

Parking

  • Total spaces: 1
  • Parking features: Assigned,Covered,Guest
  • Has garage: Yes
  • Attached garage spaces: 1
  • Covered 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

  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave

FEMA Declared Disasters in Monterey County and California

Earthquake
Flood
Mud Landslide
Severe Ice Storm
Severe Storm
Snowstorm
Straight Line Winds
Tornado
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 $2,275$27,300
Home Insurance *$79$948
Property Taxes $456$5,472
Electricity $398$4,786
Total$3,208$38,496
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$109,988/yr
40% on housing$96,240/yr
45% on housing$85,546/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: 7.9%
7.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: -0.4%
-0.4%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$804This listing

vs Other Active Listings

Avg $/sqft

ZIP 93940$640
Monterey County$769

vs Homes Sold Last Month

Median $/sqft

ZIP 93940$681
Monterey County$589

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
2026-08-05Price change$440,000
2026-07-25Price change$450,000
2026-07-10Listed for sale$460,000
2026-04-13Listing removed$2,495
2026-04-01Listed for rent$2,495
2026-03-24Sold$410,000
2026-03-07Contingent$429,000
2026-03-06Pending sale$429,000
2026-03-06Contingent$429,000
2026-02-19Listed for sale$429,000
2026-01-16Listing removed$429,000
2025-12-29Listed for sale$429,000
2025-08-09Listing removed$2,400
2025-08-07Listed for rent$2,400
2024-07-11Listing removed--
2024-07-09Listed for rent$2,000
2022-04-22Listing removed--
2022-04-16Price change$1,675
2022-02-19Price change$1,950
2022-01-06Listed for rent$2,000
2001-01-10Sold$206,000
1998-11-25Sold$129,000

For Sale by Agent

AgentSteve Cardinalli
BrokerageCardinalli Real Estate

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