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102 Waterford Cir, Rancho Mirage, CA, 92270

5beds
8baths
7,374sqft
$4,975,000
$675price/sqft
$33,616/moest. monthly cost
$1,344,640/yrincome needed

About This Home

Waterfront Oasis with FULL SOLAR POWER! As the ultimate expression of the world-renowned Rancho Mirage lifestyle, this exceptionally luxurious estate presents a rare opportunity in the intimate guard-gated enclave of Waterford. Crafted by Stoker Builders from a design by visionary architect Narendra Patel, the custom showplace focuses on the relationship between an artistically conceived residence and the landscape that it inhabits. Soaring barrel ceilings trimmed in natural wood planks, white limestone and wide-plank wood floors, and unending walls of floor-to-ceiling windows and doors blend harmoniously with natural light and water views. Bold rock walls hint at the region's famous Mid-Century Modern heritage, while contemporary appointments and carefully integrated updates make this a home for today and long into the future. An expansive single-level floorplan extends approximately 7,374 square feet and reveals five ensuite bedrooms-each with outdoor access, and eight baths. The great room takes center stage, with clerestory windows, a fireplace, 18' ceiling and a vast wall of disappearing glass pockets doors opening to the backyard and pool views. A separate wet bar, large formal dining room with patio, office with built-in cabinetry and desk, and a casual family room flow easily, catering to upscale and low-key entertaining. The estate's curvilinear walls lend visual drama, and nearly every room offers direct access or views to the outdoors. Like the home's baths, its kitchen was completely reimagined from the ground up to create a more cohesive flow throughout. Chefs will appreciate a double-waterfall island with prep sink, frameless white cabinetry with hidden hardware, a skylight, quartz countertops with full backsplash, circular breakfast nook and top-tier Thermador appliances. Rivaling nearby resorts, the primary suite welcomes beautiful views into a private realm enriched with a sitting area, patio, barrel ceiling, two opulent baths and dual walk-in closets. Powered by 100 solar panels, this uncompromising residence continues to impress with a Control4 home automation system, patinaed metal roof, custom lighting and a three-car garage. The homesite is one of the community's largest at approximately 31,799 s.f., providing generous room for a resort pool and spa surrounded by a virtual palm oasis, private patios, and a main patio for entertaining, complete with a high-end outdoor kitchen. Available for only the second time in its storied history.

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

6/10
Rancho Mirage HighGrades 9-123.6 mi

Construction

Condition

  • Year built: 2001

Materials

  • Roof: Foam

Type & Style

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

Interior

Appliances

  • Appliances included: Dishwasher,Electric Oven,Gas Cooktop,Disposal,Microwave,Refrigerator,Range Hood,Self Cleaning Oven,Vented Exhaust Fan
  • Laundry features: Laundry Room

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 8
  • Full bathrooms: 3
  • 3/4 bathrooms: 4
  • 1/4 bathrooms: 1

Features

  • Wet Bar,Breakfast Bar,Breakfast Area,Separate/Formal Dining Room,High Ceilings,Utility Room,Walk-In Pantry
  • Flooring: Carpet,Tile,Wood
  • Fireplace features: Gas,Living Room
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Forced Air,Fireplace(s),Natural Gas,Zoned
  • Cooling features: Central Air,Zoned

Interior Area

  • Total interior livable area: 7,374 sqft

Kitchen

  • Features: Kitchen Island,Remodeled,Updated Kitchen

Pantry

  • Features: Walk-In Pantry

Property

Details

  • Parcel number: 688320097
  • Special condition: Standard

Features

  • Levels: One
  • Stories: 1
  • Private pool: Yes
  • Pool features: Electric Heat,In Ground,Private
  • Patio & porch: Covered
  • Spa features: Heated,In Ground,Private
  • Fencing: Block
  • Has view: Yes
  • View description: Hills,Lake,Mountain(s),Pool,Water
  • Has water view: Yes
  • Water view: Lake,Water
  • On waterfront: Yes
  • Waterfront features: Waterfront

Lot

  • Lot size: 0.73 Acres
  • Features: Drip Irrigation/Bubblers,Sprinklers Timer,Sprinkler System,Waterfront

Parking

  • Total spaces: 3
  • Parking features: Direct Access,Driveway,Garage,Garage Door Opener
  • 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
    EarthquakeVery High
  • Inland Flooding
    Inland FloodingVery High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Inland Flooding
Heat Wave
Wildfire

FEMA Declared Disasters in Riverside County and California

Earthquake
Fire
Flood
Hurricane
Mud Landslide
Severe Storm
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 $25,156$301,872
Home Insurance *$1,702$20,424
Property Taxes $5,177$62,124
Electricity $1,581$18,975
Total$33,616$403,392
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$1,152,548/yr
40% on housing$1,008,480/yr
45% on housing$896,426/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: 0.7%
0.7%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$675This listing

vs Other Active Listings

Avg $/sqft

ZIP 92270$426
Riverside County$300

vs Homes Sold Last Month

Median $/sqft

ZIP 92270$421
Riverside County$315

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
2026-04-09Price change$4,975,000
2026-01-21Listed for sale$5,695,000
2026-01-09Listing removed$5,995,000
2025-11-25Price change$5,995,000
2025-08-18Listed for sale$6,300,000
2023-03-08Listing removed$4,299,000
2022-03-07Sold$4,289,000
2022-02-07Pending sale$4,299,000
2022-01-19Contingent$4,299,000
2022-01-06Listed for sale$4,299,000
2019-01-14Sold$2,100,000
2018-12-24Listed for sale$2,697,000
2018-12-24Pending sale$2,697,000
2018-08-22Price change$2,697,000
2018-03-20Price change$2,997,000
2018-02-23Listed for sale$3,497,000
2000-04-14Sold$350,000

For Sale by Agent

AgentNelson - Moe Group
BrokerageCompass

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