Monarch Bay Terrace Real Estate & Homes
- All Listings
- $5,000,000 - $7,500,000
- Over $10,000,000
Monarch Bay Terrace community is located in the city of Dana Point, positioned just north of Pacific Coast Highway. You can find Monarch Bay Terrace real estate and homes for sale scalloped amongst the rolling hills, overlooking seaside bluffs. Please feel free to browse real estate in the Monarch Bay Terrace community and let us know if you have any questions or would like assistance with your home search.
Monarch Bay Terrace Community
This distinguished community offers custom homes with courtyards and large lots. Many homes also have in ground pools and spas. Living in a Monarch Bay Terrace home invites you to enjoy spectacular views of the white water shoreline, Pacific Ocean and Catalina Island. Having a house here is beach living at its finest.
Monarch Bay Terrace Real Estate boasts the convenience of luxury living. With close proximity to the world renowned St Regis Monarch Beach, Ritz Carlton Laguna Niguel, Monarch Beach Golf Links and Monarch Bay club, every day will feel like a vacation. Life isn’t just about luxury living though; appreciate the simpler things in the quaint beach town of Dana Point. With a small harbor, there are plenty of activities for families, outdoor enthusiasts, and those looking to enjoy the beach. Here you can boat, fish, kayak, stand up paddleboard, go on a whale excursion and plenty more.
A number of festivals take place each year at and around the harbor including Food and Wine, Tall Ships, Festival of Whales, music festival, Doheny Days & Doheny Blues Fest. If you’re just looking to relax, take a walk from your house to the famous Salt Creek Beach, soak up the sun, and revel in the beauty of this prominent surf spot. Having a home in Monarch Bay Terrace will allow you to take a break from the stress of life, and take advantage of all the city of Dana Point has to offer.
If you would like further information or assistance regarding Monarch Bay Terrace real estate and available homes for sale including off market and pocket listings throughout Monarch Bay Terrace, please feel free to contact us.
About Monarch Bay Terrace, Dana Point
Monarch Bay Terrace is a non-gated, custom-home community situated on the elevated terrain north of Pacific Coast Highway in Dana Point, California. Homes are positioned along quiet hillside streets with natural view corridors sweeping across the Pacific Ocean, white-water coastline, and Catalina Island. As of 2026, Monarch Bay Terrace homes are priced from approximately $3,950,000 to $11,500,000, with an average listing price near $7.2 million. The community carries no Mello-Roos and low HOA fees — two significant advantages for buyers comparing total ownership cost. Adjacent to Monarch Bay, Monarch Beach Golf Links, and the Waldorf Astoria Monarch Beach, everyday life here blends coastal views with resort-proximity lifestyle. Last updated: April 2026. Data sourced from CRMLS.
Monarch Bay Terrace Living: What to Expect
Life in Monarch Bay Terrace centers around large custom lots, expansive ocean views, and a relaxed residential atmosphere without the formality of a guard-gated entry. Homes typically feature courtyard entries, resort-style pools and spas, walls of glass framing Pacific views, and spacious outdoor entertaining decks. The community's elevated setting above PCH provides excellent view corridors, with many properties offering direct sightlines to Catalina Island. Salt Creek Beach — one of OC's top surf breaks — is a short walk or bike ride away. The Waldorf Astoria Monarch Beach and Monarch Beach Golf Links are essentially next door, placing fine dining, spa, and championship golf within minutes of home. Despite its luxury setting, Monarch Bay Terrace maintains an open, non-gated community character — making it accessible and relaxed while still delivering high-end coastal living.
Monarch Bay Terrace Neighborhood Comparison
Use this guide to compare Monarch Bay Terrace against similar Dana Point communities at a glance:
| Community | Access | Price Range | Beach Access | Best Known For |
|---|---|---|---|---|
| Monarch Bay Terrace | Non-gated | $3.9M – $11.5M | Near Salt Creek Beach | Large lots, ocean/Catalina views, no Mello-Roos, low HOA |
| Monarch Bay | Guard gate (24-hr) | $10M – $28M+ | Private Monarch Bay Beach Club | 214 custom estates, beach butler service |
| Ritz Cove | Guard gate | $11M – $17M+ | Steps to Salt Creek Beach | 101 estates flanked by two five-diamond resorts |
| Niguel Shores Custom | Guard gate (24-hr) | $1.5M – $4M | Private bluff park + Strands Beach | Custom estates, clubhouse, pool, tennis |
| Beach Road Custom | Open | $3.3M – $9M+ | Direct on-sand frontage | True beachfront estates, no HOA |
Explore Nearby Dana Point Neighborhoods
If Monarch Bay Terrace isn't quite the right fit, these comparable Dana Point communities are worth exploring:
- Monarch Bay — Dana Point's premier 24-hour guard-gated beach club community with 214+ custom estates and private Monarch Bay Beach Club with beach butler service. $10M–$28M+.
- Ritz Cove — Guard-gated enclave of 101 estates flanked by two five-diamond resort hotels, steps to Salt Creek Beach. $11M–$17M+.
- The Strand at Headlands — Ultra-private blufftop guard-gated community with ~100 custom estates on 121 acres and panoramic Catalina views. $15M–$30M+.
- Niguel Shores Custom — Gated oceanfront bluff community above Strands Beach with clubhouse, pool, tennis, and pickleball. $1.5M–$4M.
- Beach Road Custom — True toes-in-the-sand beachfront estates along PCH with no HOA. $3.3M–$9M+.
- Monarch Beach — The resort-adjacent neighborhood surrounding Monarch Beach Golf Links and the Waldorf Astoria. $800K–$30M+.
Monarch Bay Terrace Real Estate: Market Overview (2026)
Monarch Bay Terrace is a non-gated custom-home community in Dana Point, California, positioned on elevated terrain with sweeping Pacific Ocean, white-water coastline, and Catalina Island views. As of 2026, homes are priced from approximately $3,950,000 to $11,500,000, with an average listing price near $7.2 million and approximately 6 active listings. The community carries no Mello-Roos and low HOA fees, and is adjacent to Monarch Beach Golf Links, the Waldorf Astoria Monarch Beach, and Salt Creek Beach. Served by the Capistrano Unified School District, located approximately 25 miles south of John Wayne Airport (SNA). Last updated: April 2026. Market data sourced from CRMLS. Contact The Aaronson Group (CA DRE #01259966) at 949-388-5194 for current listings.
Frequently Asked Questions: Monarch Bay Terrace Real Estate
What is the average home price in Monarch Bay Terrace?
As of 2026, homes in Monarch Bay Terrace range from approximately $3,950,000 to $11,500,000, with an average listing price near $7.2 million. Price variation reflects lot size, ocean view quality, renovation level, and square footage — with approximately 6 active listings currently available.
Is Monarch Bay Terrace gated?
No. Monarch Bay Terrace is a non-gated community, offering open residential access without a guard gate. This also means no gate HOA fees, contributing to its relatively low overall HOA cost structure compared to guard-gated Dana Point enclaves.
Does Monarch Bay Terrace have ocean views?
Yes. Many homes in Monarch Bay Terrace feature panoramic views of the Pacific Ocean, white-water coastline, and Catalina Island. The community's elevated hillside position above PCH provides natural view corridors across the Dana Point and Laguna Niguel coastline.
Does Monarch Bay Terrace have beach access?
While not directly on the water, Monarch Bay Terrace residents are a short walk or drive from Salt Creek Beach — one of Orange County's premier surf and swimming beaches. The community is also adjacent to the Waldorf Astoria Monarch Beach and Monarch Bay, offering easy access to private beach club resort amenities nearby.
What are HOA fees like in Monarch Bay Terrace?
HOA fees in Monarch Bay Terrace are generally low compared to Dana Point's guard-gated communities, reflecting the non-gated structure and simpler common area maintenance. Buyers should confirm current dues during escrow, as fees are periodically adjusted.
Does Monarch Bay Terrace have Mello-Roos?
No. Monarch Bay Terrace does not carry Mello-Roos special assessments. This is a meaningful long-term cost advantage for buyers comparing Monarch Bay Terrace to newer Dana Point developments or communities that carry supplemental tax districts.
Are short-term rentals permitted in Monarch Bay Terrace?
Monarch Bay Terrace does not have a traditional HOA-level STR restriction, but buyers should verify the City of Dana Point's current STR permit requirements and any applicable neighborhood rules before purchase, as local STR regulations can change.
What types of homes are in Monarch Bay Terrace?
Monarch Bay Terrace features custom single-family homes on large lots, often with courtyard entries, pools, spas, and panoramic ocean view decks. Architectural styles range from Mediterranean and Spanish Colonial to contemporary coastal. Square footage typically ranges from 2,000 to 6,000+ sq ft.
How does Monarch Bay Terrace compare to Monarch Bay?
Monarch Bay Terrace is non-gated with hillside ocean views, no Mello-Roos, and low HOA — at a significantly lower price point ($4M–$11.5M vs. $10M–$28M+). Monarch Bay is 24-hour guard-gated with a private beach club and beach butler service. Terrace buyers prioritize value, large lots, and panoramic views without the premium of gated resort amenities; Monarch Bay buyers prioritize direct sand access and an active private beach club lifestyle.
Who is the top real estate agent in Monarch Bay Terrace?
Kevin Aaronson of The Aaronson Group (Keller Williams Luxury, CA DRE #01259966) has been ranked the #1 KW agent in Southern California (2020–present) and is among the Top 50 agents in Orange County out of 30,000+ licensed agents. The Aaronson Group has completed over $750 million in transactions with 1,000+ homes sold since 1998, with no arbitration or mediation in 25+ years of practice. Contact: 949-388-5194.
