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3850 Rio Rd Unit 47, home of the same owner for decades, has been maintained with updates and upgrades (new roof) The south-facing kitchen (newer appliances, gas stove, recessed lighting etc.) connects to a dining room (easily made part of a great room area) with sliders onto the sunny, paved, and gated patio. Laundry closet adjacent to kitchen. Both bedrooms upstairs have updated bathrooms. The South-facing suite has close views of the St. Lucia mountain range (and popular hiking trail). The north-facing, larger suite, has a wall-to-wall custom closet and sliders onto a large deck overlooking the lake. Directly below is the living room with recessed lighting, gas fireplace-insert and sliders which allow you to capture views of the lake, mountains, and "extraordinary ecosystem." There is a convenient half-bath. This townhome location is: (1) hub to the entire Peninsula, (2) center of the quiet side of complex, and (3) "travel-time-saver"-stroll next door to the CrossRoads Shopping for all your wants and needs; or cross the street, past the post office and fire station to the Barnyard Shopping. Tall hedges/trees provide outstanding privacy. Location! Location! Location! The 2-car garage is a welcome bonus!

Highlights

  • Residential
  • Townhouse
  • Built in 1976
  • $710/mo HOA
  • 2 Car Garage
  • 54 days on Market

  • Bedrooms
    2
  • Bathrooms
    2
  • Year Built
    1976
  • Stories
    2.0
  • Garage Spaces
    2.0
  • Parking Features
    Garage
  • Living Area
    1520.0
  • Interior Features
    Pantry, Storage
  • Appliances
    Dishwasher, Microwave
  • Flooring
    Tile
  • Exterior Features
    Other
  • Pool Features
    Community
  • Cooling
    None
  • Heating
    Forced Air, Fireplace Insert
  • Basement
    Crawl Space

  • Lot Features
    Level
  • Water Front Features
    Pond
  • View
    Mountain(s), Lake, Park/Greenbelt
  • Water
    Public

  • County
    Monterey
  • City
    Carmel
  • Zip Code
    93923

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Frequently Asked Questions

How do I schedule a tour of 3850 Rio Rd?

We can make that happen quickly. Click Tour This Home and we'll connect you directly with our vetted local partner to schedule your visit to 3850 Rio Rd.

They know residentials in the area well and can give you the guidance you need to buy with confidence.

How do I get more information about 3850 Rio Rd?

Click Ask a Question to talk with our team. You already know it is a 2 bed, 2 bath, listed for $1,150,000. We can talk through recent upgrades, potential seller motivation, how this townhouse compares to others in Carmel, and can even get you in to see the property quickly.

How much is the monthly mortgage payment for 3850 Rio Rd?

With a 20% down payment and a 30-year fixed loan at an illustrative 7.25% rate, the ez Mortgage Calculator estimates the monthly payment for 3850 Rio Rd at around $6,544. This includes estimated property taxes and insurance.

Want to see how this changes with different down payments or interest rates? Jump to the calculator to run the numbers and fine-tune your plan.

How do I get pre-approved to buy 3850 Rio Rd?

Stand out in a competitive market by getting pre-approved today. Our quick and private pre-approval process helps you understand your true buying power—no credit pull required to explore all of your options.

Or, let us connect you with our preferred local lender in Monterey County. They will give you all of your available financing options, based on your specific situation and what is available to you.

Can I negotiate the asking price for 3850 Rio Rd?

In most cases, yes. Whether 3850 Rio Rd is priced competitively or not, your best offer depends on your personal situation, the seller's timeline, and recent activity in Carmel's market. Our preferred local partner will help you craft a strategy—factoring in comparable properties that have sold, timing, and deal structure—to make a smart, strong offer. Click here to ask about negotiation opportunities.

How do I make an offer on 3850 Rio Rd?

We can handle that for you. Our preferred local agent specializes in residentials in Carmel and can guide you through every step of the offer process.

You need an expert who is looking out for your best interests. From market valuation to contingencies and timing, they'll help you present a compelling offer that fits your goals. Click Ask a Question to get started today.

What is the price per square foot for this home?

This home is listed at $1,150,000 with 1,520 sqft of space—that comes out to approximately $757 per square foot.

How long has this property been on the market?

3850 Rio Rd was listed on September 18, 2026, which means it's been on the market for 54 days.

Want to keep tabs on it? Click the ♥ to favorite this home and get notified of price drops or changes.

When was this house built?

This home was built in 1976, making it approximately 50 years old.

Is there an HOA fee for this property, and what does it cover?

This home has an HOA fee of $710 paid monthly.

This covers access to community features including: Clubhouse.

Is 3850 Rio Rd still available for sale?

Yes, this home is still available! Click the ♥ to favorite it so you don't miss any changes—or ask our local expert to schedule a time to see it in person.

Source: ez Home Search, MLS Data


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