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2851 Terry Rd1 / 42 · Click to zoom

About this home

PRICE IMPROVEMENT - Set high above Victoria Beach, this newly built coastal cottage and ADU blend early American architectural charm with the comfort, efficiency, and peace of mind of modern construction. Offering a versatile retreat for full-time living, a second home, or a refined coastal escape, the residence captures timeless design and exceptional craftsmanship throughout. A classic combination of brick and wood siding creates a striking exterior, while the interiors showcase exposed beams, marble and soapstone countertops, custom cabinetry, extensive built-ins, and solid oak flooring. Sweeping ocean views provide a stunning backdrop, completing this one-of-a-kind coastal sanctuary. The main two-bedroom cottage centers around the original wood-burning fireplace. Both bedrooms include en-suite bathrooms, and the kitchen and living room are oriented toward the water to capture natural light and sea breezes. The English-inspired kitchen pairs classic detailing with modern amenities and luxury appliances including Sub-Zero, Wolf, Miele, and Thermador and opens toward the coastline for effortless indoor-outdoor living. Upstairs, intimate bedrooms with sloped ceilings overlook the shoreline, offering peaceful vantage points for sunrise and quiet evenings by the sea. A separate one-bedroom ADU adds flexibility ideal for guests, extended family, long-term stays, or a private studio or workspace and is equipped with its own suite of luxury appliances and a charming coastal outlook. Multiple decks perched above the coast and brick walkways complete the property, creating inviting spaces for entertaining or simply enjoying the ocean views.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$652,500 · Sep 2003
📋 Assessed value$1,113,474
💵 Annual tax$12,171
🏫 School districtLaguna Beach Unified School District

MLS #26030847MR

🔥 Risk & insurability

🔥 Fire hazard zoneVery High

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Estimated total monthly payment
$23,149
Principal & interest$18,684
Property tax$3,387
Home insurance$1,078
Down payment: $739,000Loan: $2,956,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.