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28069 Heron Ct, Carmel, CA, 93923

4beds
4baths
2,852sqft
$2,195,000
$770price/sqft
$14,078/moest. monthly cost
$563,120/yrincome needed

About This Home

Step through the private courtyard and into your own sanctuary: a rare, freestanding four-bedroom, four-bath home perched just above the 16th green with sweeping golf course views and no shared walls. Inside, soaring ceilings, a Magma Gold granite fireplace, and a gourmet kitchen with custom cabinetry set the tone. Over 2,000 square feet of finished outdoor living space means the good life spills effortlessly outside. An oversized two-car garage with ample cabinetry and a fully finished attic provides storage and space that's truly hard to find at the Ranch. Life here puts you at the heart of Carmel Valley Ranch, a premier Unbound Collection by Hyatt resort, with restaurants, shops, a farmers market, and the residential pool and spa just steps away. Memberships unlock world-class golf, tennis, a full spa, and resort-wide pools. Ocean beaches and hiking trails are minutes away. A gated community with top-rated schools nearby makes this equally ideal for families looking for a safe, vibrant place to put down roots. This is resort living without compromise, with all the privacy of home.

Getting Around

11
WalkingCar-Dependent
0
TransitVery Limited Transit
2
BikeSomewhat Bikeable

Schools

7/10
7/10
Carmel Middle SchoolGrades 6-85.8 mi
10/10
Carmel High SchoolGrades 9-126.8 mi

Construction

Condition

  • Year built: 1981

Materials

  • Foundation: Slab
  • Roof: Tile

Type & Style

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

Interior

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 4
  • Full bathrooms: 4

Dining Room

  • Features: DiningArea

Family Room

  • Features: SeparateFamilyRoom

Features

  • Number of fireplaces: 1
  • Fireplace features: Gas

Heating & Cooling

  • Heating features: Central Forced Air
  • Cooling features: Central Air

Interior Area

  • Total structure area: 2,852
  • Total interior livable area: 2,852 sqft

Property

Details

  • Parcel number: 416541042000
  • Zoning: Condo
  • Special condition: Standard

Features

  • Stories: 2

Lot

  • Lot size: 4,926 sqft

Parking

  • Total spaces: 2
  • Parking features: Detached
  • 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 FloodingVery High
  • Wildfire
    WildfireVery High
  • Landslide
    LandslideRelatively High
  • Earthquake
    EarthquakeModerate

How This Home’s Risks Compare

Inland Flooding
Wildfire
Landslide
Earthquake

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 $11,099$133,188
Home Insurance *$417$5,004
Property Taxes $1,951$23,412
Electricity $611$7,338
Total$14,078$168,936
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$482,674/yr
40% on housing$422,340/yr
45% on housing$375,413/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

$770This listing

vs Other Active Listings

Avg $/sqft

ZIP 93923$1,183
Monterey County$769

vs Homes Sold Last Month

Median $/sqft

ZIP 93923$1,134
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
2026-04-14Price change$2,269,000
2026-03-31Price change$2,369,000
2026-01-14Price change$2,395,000
2025-12-15Price change$2,495,000
2025-12-01Price change$2,549,000
2025-10-29Listed for sale$2,649,000
2025-02-11Sold$1,650,000

For Sale by Agent

Agent The Ruiz Group
BrokerageKeller Williams Realty

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