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0 NE Corner San Carlos And 13th, Carmel, CA, 93923

3beds
2baths
1,228sqft
$2,915,000
$2,374price/sqft
$17,221/moest. monthly cost
$688,840/yrincome needed

About This Home

Nestled into a corner within even walking distance of Carmel by the Sea and the world famous Carmel Beach. This 3 bed, 2 bath cottage was recently transformed by over $600k in renovations. Enter through the dutch door into the chefs dream kitchen with all new stainless Monogram appliances to include, 6-burner gas cooktop, speed oven and oversized refrigerator. Effortlessly entertain on the oversized island adorned with durable rare Maranello granite counters from Brazil and custom soft close custom cherrywood cabinets. Relax and unwind in the ample living room with beamed, vaulted ceilings and Carmel stone fireplace. Floor to ceiling windows beckon you into the fully fenced, private backyard with new gas fire-pit. Hall bath was updated with a tasteful combination of solid granite slabs in the shower, marble floors and skylight. Large primary bedroom is ideally located in the back of the home with ensuite bath that was also recently upgraded with walk-in solid granite slab shower, dual vessel sinks and skylight. Dont miss this turn-key Carmel charmer!

Getting Around

60
WalkingSomewhat Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
7/10
Carmel Middle SchoolGrades 6-81.4 mi
10/10
Carmel High SchoolGrades 9-120.9 mi

Construction

Condition

  • Year built: 1953

Materials

  • Foundation: Crawl Space
  • Roof: Composition

Type & Style

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

Interior

Appliances

  • Laundry features: Inside

Bathroom

  • Features: DoubleSinks, Marble, PrimaryStallShowers, Other, Skylight, UpdatedBaths, FullonGroundFloor

Bedrooms & Bathrooms

  • Bedrooms: 3
  • Bathrooms: 2
  • Full bathrooms: 2

Dining Room

  • Features: BreakfastNook

Family Room

  • Features: NoFamilyRoom

Features

  • Flooring: Carpet,Hardwood,Marble
  • Number of fireplaces: 1
  • Fireplace features: Gas Starter

Heating & Cooling

  • Heating features: Forced Air
  • Cooling features: None

Interior Area

  • Total structure area: 1,228
  • Total interior livable area: 1,228 sqft

Property

Details

  • Parcel number: 010163009000
  • Zoning: R1
  • Special condition: Standard

Features

  • Stories: 1
  • Fencing: Back Yard

Lot

  • Lot size: 4,000 sqft

Parking

  • Total spaces: 1
  • Parking features: Detached,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 $14,739$176,868
Home Insurance *$554$6,648
Property Taxes $1,530$18,360
Electricity $398$4,786
Total$17,221$206,652
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$590,434/yr
40% on housing$516,630/yr
45% on housing$459,226/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

$2,374This listing

vs Other Active Listings

Avg $/sqft

ZIP 93923$1,175
Monterey County$767

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
2026-04-22Listed for sale$2,915,000

For Sale by Agent

AgentAshley Wayland
BrokerageWayland Properties, Inc.

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