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Carpenter & 2nd NW, Carmel By The Sea, CA, 93921

3beds
3baths
1,544sqft
$1,895,000
$1,227price/sqft
$11,110/moest. monthly cost
$444,400/yrincome needed

About This Home

This thoughtfully updated Carmel-by-the-Sea property offers the rare advantage of a separate guest unit (ADU), providing exceptional flexibility for extended family, guests, or a private home office. Set behind a gated entry with a paver driveway, the property features a welcoming arrival and an attached one-car garage for convenience and storage. The guest unit showcases a bright, open layout with a modern kitchen featuring stainless steel appliances, shaker cabinetry, stone countertops, and recessed lighting. A comfortable sleeping area, dining space, and an updated bathroom with tiled shower-tub surround complete the interior, creating a clean and inviting living environment. Outside, a private fenced yard and garden area provide separation between the main residence and guest quarters, offering both privacy and outdoor enjoyment. The property is well-maintained and thoughtfully improved, presenting a unique opportunity to enjoy the charm and lifestyle of Carmel-by-the-Sea with added versatility and comfort.

Getting Around

63
WalkingSomewhat Walkable
0
TransitVery Limited Transit
38
BikeSomewhat Bikeable

Schools

9/10
7/10
Carmel Middle SchoolGrades 6-81.6 mi
10/10
Carmel High SchoolGrades 9-120.5 mi

Construction

Condition

  • Year built: 1972

Materials

  • Foundation: Concrete Perimeter,Slab
  • Roof: Concrete, TarGravel, Tile

Type & Style

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

Interior

Appliances

  • Appliances included: Dryer,Washer
  • Laundry features: Inside

Bedrooms & Bathrooms

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

Dining Room

  • Features: DiningAreainLivingRoom

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Hardwood,Laminate,Tile

Heating & Cooling

  • Heating features: Central Forced Air Gas
  • Cooling features: None

Interior Area

  • Total structure area: 1,544
  • Total interior livable area: 1,544 sqft

Property

Details

  • Parcel number: 010021016000
  • Zoning: Residential
  • Special condition: Standard

Features

  • Stories: 1

Lot

  • Lot size: 3,920 sqft

Parking

  • Total spaces: 1
  • Parking features: Attached,Off Street
  • 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 FloodingModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding

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 $9,582$114,984
Home Insurance *$136$1,632
Property Taxes $994$11,928
Electricity $398$4,786
Total$11,110$133,320
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$380,914/yr
40% on housing$333,300/yr
45% on housing$296,266/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

$1,227This listing

vs Other Active Listings

Avg $/sqft

ZIP 93921$2,430
Monterey County$768

vs Homes Sold Last Month

Median $/sqft

ZIP 93921$2,115
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
2026-04-04Listed for sale$1,995,000
2026-03-24Listing removed$1,995,000
2026-03-07Listed for sale$1,995,000
2025-10-31Sold$1,550,000
2025-10-10Pending sale$1,695,000
2025-09-22Contingent$1,695,000
2025-07-30Price change$1,695,000
2025-06-23Listed for sale$1,995,000

For Sale by Agent

AgentFadi Doidri
BrokerageColdwell Banker Realty

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