Tucked behind the private gates of Bay Ridge, this custom-built Monterey sunbelt estate offers exceptional privacy, commanding views, and elevated indoor-outdoor living. Set on a tranquil approx. 1.83 acre oak-studded parcel, the residence spans approx. 3,061 sq ft with 3 bedrooms and 2.5 bathrooms, thoughtfully designed for both comfort and sophistication. Light-filled living and dining spaces showcase sweeping valley vistas with peeks of Moss Landing and Monterey Bay, creating a dramatic yet serene backdrop. The spacious kitchen features an island and breakfast nook, seamlessly blending everyday functionality with effortless entertaining. A generous primary suite serves as a private retreat, while hardwood and carpet flooring add warmth and elegance throughout. Outdoor living is elevated by an impressive approx. 984 sq ft deck, ideal for sunset gatherings or quiet moments overlooking the landscape. Additional highlights include low-maintenance landscaping, a 3-car garage, and a peaceful gated setting just minutes from world-class golf, beaches, dining, and all that the Monterey Peninsula has to offer. A rare opportunity to enjoy space, sun, and scenery in one of Monterey's most coveted neighborhoods.
For sale
$2,150,000
11827 Saddle Rd, Monterey, CA 93940
3beds
3,061sqft
Est.:
Single Family Residence, Residential
Built in 1988
1.83 Acres Lot
$2,046,000 Zestimate®
$702/sqft
$240/mo HOA
What's special
Peaceful gated settingCommanding viewsLow-maintenance landscaping
- 21 days |
- 1,528 |
- 31 |
Zillow last checked: 8 hours ago
Listing updated: March 01, 2026 at 07:31pm
Listed by:
Monterey Peninsula Home Team 70000352 831-594-3290,
KW Coastal Estates 831-622-6200
Source: MLSListings Inc,MLS#: ML82034075
Tour with a local agent
Facts & features
Interior
Bedrooms & bathrooms
- Bedrooms: 3
- Bathrooms: 3
- Full bathrooms: 2
- 1/2 bathrooms: 1
Rooms
- Room types: Bonus Room, Laundry, Office, Utility Room
Bedroom
- Features: PrimarySuiteRetreat, WalkinCloset
Bathroom
- Features: DoubleSinks, PrimaryStallShowers, StallShower2plus, PrimaryOversizedTub, OversizedTub
Dining room
- Features: BreakfastNook, DiningAreainLivingRoom
Family room
- Features: NoFamilyRoom
Kitchen
- Features: Countertop_Granite, Countertop_Other, ExhaustFan, IslandwithSink
Heating
- Central Forced Air Gas
Cooling
- None
Appliances
- Included: Dishwasher, Exhaust Fan, Double Oven, Refrigerator
- Laundry: Inside, In Utility Room
Features
- High Ceilings, Vaulted Ceiling(s), Walk-In Closet(s)
- Flooring: Carpet, Hardwood, Laminate
- Number of fireplaces: 2
- Fireplace features: Gas Log, Gas Starter, Living Room, Primary Bedroom, Wood Burning
Interior area
- Total structure area: 3,061
- Total interior livable area: 3,061 sqft
Video & virtual tour
Property
Parking
- Total spaces: 3
- Parking features: Attached, Off Street, Parking Area
- Attached garage spaces: 3
Features
- Stories: 2
- Patio & porch: Balcony/Patio, Deck
- Exterior features: Back Yard
- Has view: Yes
- View description: Bay, City Lights, Forest/Woods, Garden/Greenbelt, Hills, Mountain(s), Valley
- Has water view: Yes
- Water view: Bay
Lot
- Size: 1.83 Acres
- Features: Gentle Sloping, Sloped Down
Details
- Parcel number: 416133004000
- Zoning: R1
- Special conditions: Standard
Construction
Type & style
- Home type: SingleFamily
- Architectural style: Traditional
- Property subtype: Single Family Residence, Residential
Materials
- Foundation: Concrete Perimeter and Slab
- Roof: Tile
Condition
- New construction: No
- Year built: 1988
Utilities & green energy
- Gas: PropaneOnSite, PublicUtilities
- Sewer: Septic Tank
- Utilities for property: Propane, Public Utilities
Community & HOA
HOA
- Has HOA: Yes
- Amenities included: Community Security Gate
- HOA fee: $240 monthly
Location
- Region: Monterey
Financial & listing details
- Price per square foot: $702/sqft
- Tax assessed value: $1,947,438
- Annual tax amount: $21,985
- Date on market: 2/9/2026
- Listing agreement: ExclusiveRightToSell
- Listing terms: CashorConventionalLoan
Foreclosure details
Estimated market value
$2,046,000
$1.94M - $2.15M
$6,569/mo
Price history
Price history
| Date | Event | Price |
|---|---|---|
| 2/10/2026 | Listed for sale | $2,150,000+50.9%$702/sqft |
Source:  MLSListings Inc #ML82034075 Report a problem | ||
| 12/15/2005 | Sold | $1,425,000+161.5%$466/sqft |
Source: Public Record Report a problem | ||
| 2/13/1997 | Sold | $545,000-2.7%$178/sqft |
Source: Public Record Report a problem | ||
| 6/27/1995 | Sold | $560,000$183/sqft |
Source: Public Record Report a problem | ||
Public tax history
Public tax history
| Year | Property taxes | Tax assessment |
|---|---|---|
| 2025 | $21,985 +4.2% | $1,947,438 +2% |
| 2024 | $21,099 +3.7% | $1,909,254 +2% |
| 2023 | $20,341 +10.5% | $1,871,818 +13.5% |
| 2022 | $18,407 +10.9% | $1,649,000 +8.1% |
| 2021 | $16,604 +11.2% | $1,525,000 +9.9% |
| 2020 | $14,930 -1.4% | $1,388,000 +0.1% |
| 2019 | $15,148 +3.9% | $1,386,000 +3.7% |
| 2018 | $14,577 +0.9% | $1,336,000 +4.5% |
| 2017 | $14,445 +12.1% | $1,279,000 +10.8% |
| 2016 | $12,885 -6.4% | $1,154,000 -15% |
| 2015 | $13,773 | $1,357,000 +9.1% |
| 2014 | $13,773 | $1,244,000 +43.8% |
| 2012 | -- | $865,000 -6.9% |
| 2011 | -- | $929,200 -17.9% |
| 2010 | -- | $1,132,276 |
| 2009 | -- | $1,132,276 -23.6% |
| 2008 | -- | $1,482,570 +2% |
| 2007 | -- | $1,453,500 +2% |
| 2006 | -- | $1,425,000 +120.1% |
| 2005 | -- | $647,528 +2% |
| 2004 | -- | $634,833 +1.9% |
| 2003 | -- | $623,199 +2% |
| 2002 | -- | $610,981 +2% |
| 2001 | $6,133 | $599,002 +2% |
| 2000 | -- | $587,256 |
Find assessor info on the county website
BuyAbility℠ payment
Est. payment
$12,817/mo
Principal & interest
$10606
Property taxes
$1971
HOA Fees
$240
Climate risks
Neighborhood: 93940
Nearby schools
GreatSchools rating
- 7/10Washington Elementary SchoolGrades: 4-5Distance: 2.2 mi
- 7/10San Benancio Middle SchoolGrades: 6-8Distance: 3.1 mi
- 7/10Salinas High SchoolGrades: 9-12Distance: 9.9 mi
Schools provided by the listing agent
- District: WashingtonUnionElementary
Source: MLSListings Inc. This data may not be complete. We recommend contacting the local school district to confirm school assignments for this home.
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