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21 Ridgeline Dr1 / 26 · Click to zoom

About this home

Set within the prestigious 24-hour guard-gated community of Harbor Ridge, this extraordinary tri-level estate offers a rare blend of scale, privacy, and sweeping coastal beauty. Positioned on one of the neighborhood s largest lots, the residence captures endless views of the ocean, harbor, islands, city lights, Catalina, Palos Verdes, Balboa Island, and the Newport Peninsula. Designed for elevated coastal living, the home is filled with natural light through floor-to-ceiling windows, a dramatic central skylight, and French doors that open to wraparound decks and view terraces. A grand staircase, elevator, observatory, and impressive entertaining spaces create a sense of elegance throughout, while the chef s kitchen and formal dining room offer a beautiful setting for hosting, set against panoramic views. The resort-style primary suite is a private escape with ocean views, a fireplace, a sitting area, dual closets, a spa-inspired bath, a private balcony, a sauna, and a dressing room. Additional bedrooms and baths provide generous space for guests, family, staff, wellness, and work-from-home needs. The grounds are equally impressive, with expansive terraces, a large pool and spa, and a full-size tennis court, all designed to take full advantage of the property s incredible setting from sunrise to sunset. With a 4-car garage and additional onsite parking, close proximity to Newport Beach s finest dining, beaches, shopping, and award-winning schools, this estate offers a rare opportunity to experience the very best of California coastal luxury.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$5,000,000 · Apr 2004
📋 Assessed value$6,725,354
💵 Annual tax$69,294
🏫 School districtNewport-Mesa Unified School District

MLS #26114350MR

🔥 Risk & insurability

🔥 Fire hazard zoneVery High
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
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Estimated total monthly payment
$81,412
Principal & interest$65,710
Property tax$11,912
Home insurance$3,790
Down payment: $2,599,000Loan: $10,396,000

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