11827 Saddle Rd, Monterey, CA, 93940
About This Home
Tucked behind the private gates of Bay Ridge, this custom-built Monterey sunbelt estate offers exceptional privacy, commanding views, and elevated indoor-outdoor living. Set on a beautiful approx. 1.83 acre parcel, the residence spans approx. 3,061 sq ft with 3 bedrooms and 2.5 bathrooms, thoughtfully designed for both comfort and sophistication. Bright, light-filled living and dining spaces showcase sweeping valley vistas with peeks of Moss Landing and Monterey Bay, creating a dramatic yet serene backdrop. The spacious kitchen features an island and breakfast nook, seamlessly blending everyday functionality with effortless entertaining. A generous primary suite serves as a private retreat, while hardwood and carpet flooring add warmth and elegance throughout. Outdoor living is elevated by an impressive approx. 984 sq ft deck, ideal for sunset gatherings or quiet moments overlooking the landscape. Additional highlights include low-maintenance landscaping, a 3-car garage, and a peaceful gated setting just minutes from world-class golf, beaches, shopping and dining. A rare opportunity to enjoy the all Carmel, Pebble Beach, Pacific Grove and Monterey have to offer while enjoying a home with space, sun, and scenery in one of Monterey's most secure and coveted neighborhoods.
Getting Around
Car-Dependent
No Nearby Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 1988
Materials
- Foundation: Concrete Perimeter and Slab
- Roof: Tile
Type & Style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subType: Single Family Residence,Residential
Interior
Appliances
- Appliances included: Dishwasher,Exhaust Fan,Double Oven,Refrigerator
- Laundry features: Inside,In Utility Room
Bathroom
- Features: DoubleSinks, PrimaryStallShowers, StallShower2plus, PrimaryOversizedTub, OversizedTub
Bedroom
- Features: PrimarySuiteRetreat, WalkinCloset
Bedrooms & Bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Dining Room
- Features: BreakfastNook, DiningAreainLivingRoom
Family Room
- Features: NoFamilyRoom
Features
- High Ceilings,Vaulted Ceiling(s),Walk-In Closet(s)
- Flooring: Carpet,Hardwood,Laminate
- Number of fireplaces: 2
- Fireplace features: Gas Log,Gas Starter,Living Room,Primary Bedroom,Wood Burning
Heating & Cooling
- Heating features: Central Forced Air Gas
- Cooling features: None
Interior Area
- Total structure area: 3,061
- Total interior livable area: 3,061 sqft
Kitchen
- Features: Countertop_Granite, Countertop_Other, ExhaustFan, IslandwithSink
Property
Details
- Parcel number: 416133004000
- Zoning: R1
- Special condition: Standard
Features
- Stories: 2
- Patio & porch: Balcony/Patio,Deck
- Exterior features: Back Yard
- Has view: Yes
- View description: Bay,City Lights,Forest/Woods,Garden/Greenbelt,Hills,Mountain(s),Valley
- Has water view: Yes
- Water view: Bay
Lot
- Lot size: 1.83 Acres
- Features: Gentle Sloping,Sloped Down
Parking
- Total spaces: 3
- Parking features: Attached,Off Street,Parking Area
- Has garage: Yes
- Attached garage spaces: 3
- Covered spaces: 3
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
- Inland Flooding
- Landslide
- Wildfire
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 | $9,096 | $109,152 |
| Home Insurance * | $316 | $3,792 |
| Property Taxes | $1,699 | $20,388 |
| Electricity | $656 | $7,876 |
| Total | $11,767 | $141,204 |
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 |
|---|---|---|
| 2026-03-17 | Price change | $1,995,000 |
| 2026-02-10 | Listed for sale | $2,150,000 |
| 2005-12-15 | Sold | $1,425,000 |
| 1997-02-13 | Sold | $545,000 |
| 1995-06-27 | Sold | $560,000 |
Pre-Foreclosure - For Sale by Agent
View on Zillow