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181 Rivo Alto Canal, Long Beach, CA, 90803

3beds
3baths
2,152sqft
$3,395,000
$1,578price/sqft
$22,055/moest. monthly cost
$882,200/yrincome needed

About This Home

This Naples Island waterfront Cape Cod has a timeless architectural style balanced with thoughtful modern updates lending to its enduring quality. The 3-bedroom, 3-bathroom residence sits on a larger-than-average outer canal lot in an ideal section of the canal, just one bridge away from open water. The home enjoys prime orientation to capture afternoon sun, the prevailing coastal breeze and picturesque views. An oversized boat dock stands ready for effortless water access, sunset cruises, and the ultimate canal-side lifestyle. Inside, the home unfolds with an incredibly thoughtful, family-friendly floor plan that feels instantly light, breezy, and inviting. Warm hardwood floors ground the main level, which hosts two separate living areas designed for both quiet relaxation and grand-scale entertaining. The remodeled kitchen functions as the heart of the home, tailored with custom-built cabinetry, premium quartzite countertops, and Bosch and GE appliances. Double French doors open from the main level to a landscaped rear courtyard—a rare and highly prized amenity in Naples. Private and wind-sheltered, this outdoor space is perfect for quiet morning coffee, casual entertaining, or al fresco dining. The upper level serves as a private sanctuary. The primary suite is a peaceful retreat, featuring an atrium and remodeled en suite bathroom with custom cabinetry and a zero-transition walk-in shower. The suite provides excellent wardrobe storage with the luxury of two separate closets. Complete with an attached 2-car garage, convenient inside laundry, and the benefit of adjacent street parking unique to this outer canal location, the property is as functional as it is beautiful. The neighborhood elementary school, Naples Bayside Academy, is nearby, adding to the vibrant community lifestyle of Naples Island—from the Long Beach Yacht Club and concerts at The Colonnade, to the annual pancake breakfast, celebrated local dining, and weekly farmers markets. Homes of this caliber, condition, and location, where memories are meant to be made, only come along once in a great while.

Getting Around

75
WalkingVery Walkable
32
TransitSome Transit
61
BikeBikeable

Schools

8/10
Naples Elementary SchoolGrades K-50.4 mi
8/10
Rogers Middle SchoolGrades 6-81.1 mi
6/10
Wilson High SchoolGrades 9-122.0 mi

Construction

Condition

  • Property condition: Additions/Alterations,Updated/Remodeled
  • Year built: 1949

Materials

  • Foundation: Slab
  • Roof: Other,See Remarks
  • Construction materials: Brick Veneer,Drywall,Frame,Stucco,Wood Siding

Type & Style

  • Home type: SingleFamily
  • Architectural style: Cape Cod
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Convection Oven,Dishwasher,Electric Range,Free-Standing Range,Disposal,Gas Range,Ice Maker,Microwave,Refrigerator,Vented Exhaust Fan,Water To Refrigerator,Water Heater,Dryer,Washer
  • Laundry features: Washer Hookup,Gas Dryer Hookup,Inside,Laundry Closet

Bathroom

  • Features: Bathroom Exhaust Fan,Closet,Full Bath on Main Level,Quartz Counters,Remodeled,Separate Shower,Tile Counters,Upgraded,Vanity,Walk-In Shower

Bedroom

  • Features: All Bedrooms Up

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 3
  • Full bathrooms: 3
  • Main level bathrooms: 1

Features

  • Beamed Ceilings,Built-in Features,Brick Walls,Block Walls,Ceiling Fan(s),Separate/Formal Dining Room,Open Floorplan,Pantry,Paneling/Wainscoting,Quartz Counters,Stone Counters,Recessed Lighting,Storage,Tile Counters,Track Lighting,All Bedrooms Up,Atrium,French Door(s)/Atrium Door(s),Galley Kitchen,Primary Suite,Walk-In Closet(s)
  • Door features: Atrium Doors,Double Door Entry,French Doors,Sliding Doors
  • Window features: Atrium,French/Mullioned,Plantation Shutters,Screens,Shutters
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas Starter,Living Room,Wood Burning
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central,Fireplace(s),Natural Gas
  • Cooling features: None

Interior Area

  • Total interior livable area: 2,152 sqft

Kitchen

  • Features: Galley Kitchen

Kitchen

  • Features: Built-in Trash/Recycling,Pots & Pan Drawers,Remodeled,Self-closing Cabinet Doors,Self-closing Drawers,Updated Kitchen

Master Bedroom

  • Features: Primary Suite

Other

  • Features: Walk-In Closet(s)

Property

Accessibility

  • Accessibility features: None

Details

  • Parcel number: 7243022008
  • Zoning: LBR1S
  • Special condition: Trust
  • Exclusions: Furnishings,staghorn fern plant

Features

  • Levels: Two
  • Stories: 2
  • Entry location: Ground
  • Pool features: None
  • Patio & porch: Deck,Patio
  • Exterior features: Awning(s),Dock,Rain Gutters
  • Spa features: None
  • Fencing: Block,Brick
  • Has view: Yes
  • View description: Bridge(s),Canal,Courtyard,Water
  • Has water view: Yes
  • Water view: Canal,Water
  • On waterfront: Yes
  • Waterfront features: Canal Front,Seawall

Lot

  • Lot size: 2,668 sqft
  • Features: Drip Irrigation/Bubblers,Garden,Sprinklers In Rear,Sprinklers In Front,Irregular Lot,Landscaped,Level,Sprinklers Timer,Sprinklers On Side
  • Lot size dimensions: 33 x 80

Parking

  • Total spaces: 2
  • Parking features: Door-Single,Garage,Garage Faces Rear
  • 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

  • Coastal Flooding
    Coastal FloodingVery High
  • Earthquake
    EarthquakeRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Heat Wave
    Heat WaveModerate
  • Tsunami
    TsunamiModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Coastal Flooding
Earthquake
Inland Flooding
Heat Wave
Tsunami
Wildfire

FEMA Declared Disasters in Los Angeles County and California

Earthquake
Fire
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 $17,166$205,992
Home Insurance *$440$5,280
Property Taxes $3,988$47,856
Electricity $461$5,537
Total$22,055$264,660
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$756,171/yr
40% on housing$661,650/yr
45% on housing$588,133/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: 10.3%
10.3%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.2%
1.2%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,578This listing

vs Other Active Listings

Avg $/sqft

ZIP 90803$728
Los Angeles County$601

vs Homes Sold Last Month

Median $/sqft

ZIP 90803$916
Los Angeles County$610

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
2026-06-26Listed for sale$3,395,000

For Sale by Agent

AgentNeal Thompson
BrokerageCircle Real Estate

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