For sale

$1,100,000

Est. $7,575/mo —

•

1,580

sq ft

3850 Rio Rd #78, Carmel, CA 93923

About this home

Beautifully maintained corner-unit townhome in a sought-after Carmel community, offering 3 bedrooms, 2.5 baths, 1,580 square feet of living space, and a 2-car garage. This home is truly turnkey, with every update thoughtfully considered. Think soft-close shaker kitchen cabinets, custom California Closet systems in every bedroom, wood floors on main level, and newer Pella windows and sliders (2021) with great energy efficiency and sound insulation. 2026 improvements include fresh interior paint throughout, new carpeting on second level, refreshed bathrooms, all new interior doors, and a new water heater. Multiple spaces make this home ideal for enjoying and entertaining. These include a formal dining room and a living room that flows into the enclosed deck for additional gathering space. Barn and pocket doors give the dining room the flexibility to transform into a home office, game room, or creative studio. With views of the greenbelt, the upstairs balcony is a peaceful retreat. The community offers a pool, spa, sauna, and tennis courts, with easy access to Crossroads Carmel Shopping Center, Carmel-by-the-Sea, Big Sur, and all the Monterey Peninsula has to offer. Whether laying down roots or seeking a lock-and-leave second home, this exquisitely maintained home fits the bill.

TownhomeProperty Type

1976Year Built

$696Price/Sq.Ft.

$710/moHOA Dues

2 car garageParking

Listed by Nancy Nino •DRE #02168301 • Coldwell Banker Realty

Listed by William Smith •DRE #01064866 • Coldwell Banker Realty

Contact: 831-277-0405

Listing updated: Aug 22, 2026 at 11:34am

Redfin checked: 3 minutes ago

•Source:MLSListings #ML82055663

Payment calculator

$7,575 per month

Principal and interest$5,490

Property taxes

HOA dues

Home insurance

Utilities

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Open houses

No upcoming open houses.

Nearby open houses (10)

OPEN THU, 11AM TO 1PM
$4,500,000
3 beds3 baths3,384 sq ft
95 Yankee Point Dr, Carmel, CA 93923
OPEN SAT, 11AM TO 1PM
$1,242,700
2 beds2 baths1,125 sq ft
537 Larkin St, Monterey, CA 93940
OPEN SAT, 11AM TO 2PM
$585,000
2 beds2 baths789 sq ft
Monterey, CA 93940
OPEN SAT, 12PM TO 2PM
$849,000
3 beds2 baths1,413 sq ft
1841 Judson St, Seaside, CA 93955
OPEN SAT, 1PM TO 3PM3D WALKTHROUGH
$2,650,000
4 beds3 baths3,070 sq ft
9845 Palisade Dr, Carmel, CA 93923
OPEN SAT, 1PM TO 3PM
$955,000
2 beds2 baths1,350 sq ft
62 Del Mesa Carmel, Carmel, CA 93923
OPEN SAT, 1PM TO 3PM
$1,285,000
3 beds2 baths1,835 sq ft
37 Del Mesa Carmel, Carmel, CA 93923
OPEN SAT, 1PM TO 3PM
$1,325,000
4 beds3 baths2,465 sq ft
4560 Peninsula Point Dr, Seaside, CA 93955
OPEN SAT, 1PM TO 3PM
$1,188,000
2 beds2 baths868 sq ft
226 Walnut St, Pacific Grove, CA 93950
OPEN SAT, 2PM TO 4PM
$1,800,000
Studio1 bath423 sq ft
24752 San Carlos St, Carmel, CA 93923

Around this home

Schools

K - 12
Preschool & daycare

Carmel River Elementary School

Public K-5 • Assigned • 1.1mi

9/10

Carmel Middle School

Public 6-8 • Assigned • 0.6mi

7/10

Carmel High School

Public 9-12 • Assigned • 1.3mi

10/10

Provided by GreatSchools

About

Carmel

Carmel, located between Carmel Valley Road and the Santa Lucia foothills, is a rural and village-style Carmel Valley Village neighborhood with vineyard views and oak-studded hillsides. The neighborhood’s character concentrates around the Carmel Valley Road corridor near Mid Valley Shopping Center, where tasting rooms, galleries, and patio dining set a relaxed, walkable rhythm. Architectural cues lean toward ranch homes, cottage-inspired builds, and low-slung residences that follow the valley’s contours. Folktale Winery & Vineyards, Bernardus Lodge & Spa, and the Sunset Center anchor local culture with wine, hospitality, and performing arts. Garland Ranch Regional Park frames the outdoor backdrop with trailheads and river scenery. The pace stays unhurried, shaped by open land, equestrian properties, and a strong connection to the valley landscape.

Provided by Walk Score and Local Logic

Offer insights

3850 Rio Rd #78 · $1,100,000

Strong offer

$1.1M and above

75% chance or better to win

Why $1.1M+ is a strong offer

DAYS ON MARKET

The average home goes pending in 85 days.

SALE-TO-LIST

Most homes are selling 2% below list price.

About offer insights

Property details

Interior
Exterior
Finance

Kitchen

Bathroom

Bedroom

Living

Dining

Interior features
Vaulted ceiling
Video/Audio system

Bedrooms
3 bedrooms with walk-in closet(s)

Bathrooms
2 full bathrooms
1 half bathroom
Master bath with double sinks, tub, and shower (updated)

Kitchen
Quartz countertops
Dishwasher
Microwave
Electric range/oven
Pantry
Refrigerator

Laundry & utility
Washer and dryer inside the unit

Flooring
Carpet
Hardwood
Vinyl/linoleum

Heating & cooling
Central forced air (gas)

Sale and tax history for 3850 Rio Rd #78

Sale History
Tax History

Date

Event

Price

bridgeMLS, Bay East AOR, or Contra Costa AOR #ML82055663

Aug 22, 2026

Price Changed

$1,100,000

$696/sq ft

Aug 22, 2026

Price Changed

$1,100,000

$696/sq ft

Jul 28, 2026

Listed

$1,150,000

$728/sq ft

Jul 27, 2026

Listed

$1,150,000

$728/sq ft

+45

bridgeMLS, Bay East AOR, or Contra Costa AOR #ML81546579

Mar 31, 2016

Sold

$625,000

$396/sq ft

Mar 31, 2016

Sold

$625,000

$396/sq ft

Jan 30, 2016

Contingent

—

Jan 27, 2016

Relisted

—

Jan 21, 2016

Contingent

—

Jan 11, 2016

Listed

$619,000

$392/sq ft

Jan 11, 2016

Listed

$619,000

$392/sq ft

+11

Best Opportunity for a rare 3 bedroom/2.5 bath townhome in a park-like setting in Award Winning Carmel School District. PRIMO LOCATION which EXCELS IN CONVENIENCE AND PRIVACY! Stroll to beach, golf, popular CrossRoads and Barnyard Shopping areas, Farmers Market, Gym, Post Office and The Mission. Practical family floor plan with separation for privacy, separate dining and breakfast areas and inside laundry. LAST PHASE BUILT with custom garage. Scenic views out of every window. Only 3 bedroom with (peek of lake). Vaulted ceiling in master with balcony views of meadow. Lg SW facing fenced/gated patio w/new trex deck and Fish Ranch views. Marble fireplace bordered by custom shelves. Freshly painted. Move in or update. Low HOA dues $290

Public Records

Sep 2, 1977

Sold

$78,000

$49/sq ft

Year

Property tax

Land + Additions

Assessment*

2025

$8,737 (+2.6%)

$473,517 + $266,351

$739,868

2024

$8,515

$473,517 + $266,351

$739,868

2023

$8,508 (+2.3%)

$464,233 + $261,129

$725,362

2022

$8,315 (−10.8%)

$455,131 + $256,009

$711,140

2021

$9,326 (+17.5%)

$446,207 + $250,990

$697,197

2020

$7,936 (+2.1%)

$395,542 + $396,742

$792,284

2019

$7,775 (+2.4%)

$432,972 + $243,546

$676,518

2018

$7,590 (+2.8%)

$424,483 + $238,771

$663,254

2017

$7,386 (+202.2%)

$408,000 + $229,500

$637,500

2016

$2,444 (+2.5%)

$408,000 + $229,500

$637,500

2015

$2,385 (+3.4%)

$48,503 + $113,351

$161,854

2014

$2,306 (+3.8%)

$46,840 + $109,462

$156,302

2013

$2,223 (+3.2%)

$46,840 + $109,462

$156,302

2012

$2,153 (+4.4%)

$46,629 + $108,968

$155,597

2011

$2,062 (+5.4%)

$45,715 + $106,832

$152,547

2010

$1,956 (+0.6%)

$44,819 + $104,738

$149,557

2009

$1,943 (+2.8%)

$44,485 + $103,956

$148,441

2008

$1,891

$44,591 + $104,203

$148,794

Public record

Beds

Baths

2.5

Stories

Lot width

—

Lot depth

—

Lot size

—

Year renovated

1976

Finished Sq. Ft.

1,580

Unfinished Sq. Ft.

—

Total Sq. Ft.

1,580

Year built

1976

Style

Townhouse

County

Monterey County

APN

015532030000

Parking Spaces

—

Basement

—

Accessible

—

HOA Dues

—

Garage

—

Features

—

Last updated by owner on Jul 27, 2026.

About this building

3 for sale

3850 Rio Rd, Carmel, CA 93923

See photos & sale trends

Photo via 3850 Rio Rd #44

Units for sale


63	$1,099,000	2 beds	2 baths	1409 sq ft
42	$1,149,000	2 beds	2.5 baths	1520 sq ft
78	$1,100,000	3 beds	2.5 baths	1580 sq ft

Climate risks

4/10 Flood Factor

Estimated 11-17% chance of a flood reaching the building in the next 30 years

4/10 Fire Factor

2% chance of being in a wildfire in next 30 years

2/10 Heat Factor

9 days above 76° expected this year, 23 days in 30 years

1/10 Wind Factor

Minimal risk of severe winds over next 30 years

7/10 Air Factor

11 unhealthy days expected this year, 11 days in 30 years

Provided by First Street

Historical weather

Carmel, CA • 93923

Average low and high temperatures (°F)

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

Sun exposure

74/ 100

Good sunlight

Sunscore

There appears to be minimal shading by surrounding buildings, terrain, and vegetation.

8.2 hrs

4.2 hrs

JuneDecember

Provided by Shadowmap

Redfin Estimate for 3850 Rio Rd #78

$1,084,366

$16K under list price of $1.10M

Nearby comparable homes

The Redfin Estimate uses 6 recent nearby sales, priced between $1.4M to $2.0M.

SOLD JUN 12, 2026
$1,650,000 Last sold price
3 beds2 baths1,629 sq ft
3610 Oliver Rd, Carmel, CA 93923
$317/sq ft
19 years older
SOLD JUL 14, 2026
$1,380,000 Last sold price
4 beds2 baths1,764 sq ft
25950 Via Margarita, Carmel, CA 93923
$86/sq ft
17 years older
SOLD JAN 6, 2026
$1,550,000 Last sold price
3 beds2 baths1,356 sq ft
26372 Riverside Pl, Carmel, CA 93923
$447/sq ft
20 years older
SOLD DEC 19, 2025
$1,962,000 Last sold price
2 beds1 bath1,319 sq ft
11th 2 E of Torres Ave, Carmel, CA 93921
$791/sq ft
16 years older
SOLD NOV 13, 2025
$1,380,000 Last sold price
3 beds2 baths1,783 sq ft
3325 Sycamore Pl, Carmel, CA 93923
$78/sq ft
20 years older
SOLD JUL 17, 2026
$1,774,100 Last sold price
3 beds2 baths1,585 sq ft
2997 Lasuen Dr, Carmel, CA 93923
$423/sq ft
19 years older

Rental earnings

Est. $2,804 per month, based on comparable rentals

Tour for free, no strings attached

Make a winning offer with the help of a local agent

Ask a question

(831) 740-8059

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New listings for sale in 93923

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OPEN SAT, 1PM TO 3PM

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Details provided by MLSListings and may not match the public record. Learn more.

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