$4,645,000
OPEN SUN 1PM - 4PM $150K PRICE DROP

Estimated payment $27,225/month

Total Views 71,995
4 Beds
3 Baths
3,603 Sq Ft
$1,289 Price per Sq Ft

Highlights

  • White Water Ocean Views
  • Primary Bedroom Suite
  • Vaulted Ceiling
  • Cardiff Elementary Rated A
  • Fireplace in Primary Bedroom
  • Main Floor Bedroom

About This Home

Welcome to breathtaking coastal living in Cardiff-by-the-Sea’s coveted Composer District, where panoramic ocean views and timeless design define this 3,603-square-foot luxury residence. Watch the surf line daily from Pipes in Cardiff to Swami's In Encinitas you will have a front row seat to the Surfbreak from the wraparound terrace to the rooftop deck, the home captures endless Pacific vistas—perfect for entertaining, sunset gatherings, or everyday relaxation. At its heart lies a chef’s kitchen with Monogram appliances, dual ovens, and a generous island, seamlessly flowing into a family room framed by sweeping ocean backdrops. The expansive primary suite is a true retreat, with soaring 14-foot ceilings, a private sitting area, a spa-like bath, and a walk-in closet—all showcasing dramatic coastal views. Designed for both beauty and function, the home features four spacious bedrooms and three elegant bathrooms, including two guest rooms on the main level connected by a Jack-and-Jill bath, one with elevator access for convenience. A grand living room with vaulted ceilings and a fireplace overlooks the Pacific, offering yet another space to take in the scenery. Modern upgrades add peace of mind, including three fireplaces, a full-home sprinkler system, and water-leak detection with auto shut-off. Just steps from the shops and dining of Cardiff and Encinitas, and a short stroll to the world-famous Swami’s surf break, this residence offers the very best of luxury coastal California living—where ocean views and elevated design meet lifestyle at its finest.

Listing Agent

John Finley

eXp Realty of California, Inc Brokerage Email: john@thefinleygroup.com License #01431182 Listed on: 07/31/2025

eXp Realty of California, Inc

Co-Listing Agent

Elizabeth Finley

eXp Realty of California, Inc Brokerage Email: john@thefinleygroup.com License #01145723

Open House Schedule

Home Details

Home Type

  • Single Family

Est. Annual Taxes

  • $32,335

Year Built

  • Built in 2006

Lot Details

  • 7,350 Sq Ft Lot
  • Level Lot
  • Density is up to 1 Unit/Acre
  • Property is zoned Single Family Residential- R2- Minor ...

Parking

  • 2 Car Attached Garage

Property Views

  • White Water Ocean
  • Coastline

Home Design

  • Split Level Home
  • Entry on the 1st floor

Interior Spaces

  • 3,603 Sq Ft Home
  • 2-Story Property
  • Vaulted Ceiling
  • Fireplace Features Masonry
  • Family Room
  • Living Room
  • Bonus Room
  • Laundry Room

Kitchen

  • Walk-In Pantry
  • Double Oven

Bedrooms and Bathrooms

  • 4 Bedrooms | 1 Main Level Bedroom
  • Fireplace in Primary Bedroom
  • Primary Bedroom Suite
  • Walk-In Closet
  • Jack-and-Jill Bathroom
  • 3 Full Bathrooms

Schools

  • Cardiff Elementary School
  • Oak Crest Middle School
  • San Dieguito High School Academy

Utilities

  • Central Air
  • No Heating

Community Details

  • No Home Owners Association

Listing and Financial Details

  • Tax Tract Number 19006
  • Assessor Parcel Number 2606212600

Home Details

Home Type

Single Family

Est. Annual Taxes

$32,335

Year Built

Built in 2006

Lot Details

0

Parking

2

Listing Details

  • Assessments: No
  • Property Attached: No
  • View: Yes
  • Zoning: Single Family Residential- R2- Minor ...
  • Property Sub Type: Single Family Residence
  • Property Type: Residential
  • Parcel Number: 2606212600
  • Year Built: 2006
  • Special Features: OpenHouse

Interior Features

  • Fireplace: Yes
  • Living Area: 3603.00
  • Stories: 2
  • Entry Location: Front Door Main Level
  • Common Walls: No Common Walls
  • Appliances: No
  • Full Bathrooms: 3
  • Full And Three Quarter Bathrooms: 3
  • Total Bedrooms: 4
  • Entry Level: 1
  • Fireplace Features: Masonry, Primary Bedroom
  • Levels: Multi/Split
  • Main Level Bathrooms: 1
  • Main Level Bedrooms: 1
  • Price Per Square Foot: 1289.20
  • Room Type: Bonus Room, Family Room, Jack & Jill, Kitchen, Laundry, Living Room, Main Floor Bedroom, Primary Bathroom, Primary Bedroom, Primary Suite, Walk-In Closet, Walk-In Pantry

Exterior Features

  • View: Coastline, Water, White Water
  • Fence: No
  • Pool Private: No
  • Spa: No

Garage/Parking

  • Attached Garage: Yes
  • Garage Spaces: 2.00
  • Parking: No
  • Total Parking Spaces: 2.00

Utilities

  • Sprinklers: No
  • Heating: No
  • Laundry: Yes
  • Laundry Features: Individual Room
  • Sewer: Public Sewer
  • Cooling: Central Air
  • Cooling: Yes

Condo/Co-op/Association

  • Association: No
  • Senior Community: No
  • Community Features: Sidewalks

Schools

  • School District: San Dieguito Union
  • Elementary School: Cardiff
  • Middle School: Oak Crest
  • High School: San Dieguito HS Academy
  • Elementary School: Cardiff
  • High School: San Dieguito Hs Academy
  • Middle Or Junior School: Oak Crest
  • Elementary School #2: CADELE
  • High School2: SHAHS

Lot Info

  • Land Lease: No
  • Lot Features: 0-1 Unit/Acre, Level
  • Lot Size Sq Ft: 7350.00
  • Lot Size Acres: 0.1687

Multi Family

  • Lease Considered: No
  • Lot Size Area: 7350.0000 Square Feet
  • Number Of Units In Community: 1

Tax Info

  • Tax Tract Number: 19006

Map

Range of Values:

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Home Values in the Area

Source: Public Records

Average Home Value in this Area





Source: Public Records

Tax History

Year Tax Paid Tax Assessment Tax Assessment Total Assessment is a certain percentage of the fair market value that is determined by local assessors to be the total taxable value of land and additions on the property. Land Improvement
2025 $32,335 $2,988,087 $2,101,514 $886,573
2024 $32,335 $2,929,498 $2,060,308 $869,190
2023 $31,639 $2,872,058 $2,019,910 $852,148
2022 $31,158 $2,815,744 $1,980,304 $835,440
2021 $25,904 $2,330,000 $1,637,000 $693,000
2020 $26,041 $2,330,000 $1,637,000 $693,000
2019 $26,043 $2,330,000 $1,638,000 $692,000
2018 $25,684 $2,300,000 $1,617,000 $683,000
2017 $25,542 $2,300,000 $1,617,000 $683,000
2016 $22,635 $2,100,000 $1,477,000 $623,000
Source: Public Records

Property History

Date Event Price Change Sq Ft Price
09/05/2025 09/05/25 Price Changed $4,645,000 +158.8% $1,289 / Sq Ft
07/31/2025 07/31/25 For Sale $1,795,000 0.0% $498 / Sq Ft
06/12/2024 06/12/24 Rented $15,500 0.0% --
05/29/2024 05/29/24 For Rent $15,500 -- --
Source: California Regional Multiple Listing Service (CRMLS)

Purchase History

Date Type Sale Price Title Company
Interfamily Deed Transfer -- Southland Title Company
Interfamily Deed Transfer -- Southland Title Company
Interfamily Deed Transfer -- Accommodation
Grant Deed $2,275,000 Fidelity National Title San
Grant Deed $1,020,000 Commonwealth Land Title Co
Source: Public Records

Mortgage History

Date Status Loan Amount Loan Type
Open $1,283,825 New Conventional
Closed $1,283,825 New Conventional
Closed $1,265,000 Stand Alone Refi Refinance Of Original Loan
Previous Owner $1,300,000 Purchase Money Mortgage
Previous Owner $250,000 Credit Line Revolving
Previous Owner $1,704,800 Construction
Previous Owner $765,000 Purchase Money Mortgage
Source: Public Records

About the Listing Agent

John Finley

eXp Realty of California, Inc

(442) 208-1500

Section Image

Check out this video!!! https://youtu.be/LmiUwdHkdCs ---- San Diego North County Coastal is an amazing area and is proud to call it home. Because loves living and working here in CA so much, it makes it easy to help local families and investors buy and sell local properties. Knowing the local San Diego North County Coastal CA real estate market like the back of its hand should be a given for any real estate professional you consider working with. Market knowledge can be the

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Source: California Regional Multiple Listing Service (CRMLS)

MLS Number: NDP2507512

California Regional Multiple Listing Service (CRMLS)

APN: 260-621-26