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Welcome to this Cardiff coastal retreat, set on a generous lot offering exceptional upside for both move-in-ready buyers and investors seeking to make the property their own. Ideally located just over the hill from Cardiff State Beach, this beautifully maintained home blends comfort, functionality, and outdoor serenity. This property presents a rare opportunity to enjoy coastal living today with room to enhance and build for tomorrow. Upon entry, the home features an upgraded kitchen with granite countertops, newer appliances, and open archways that create seamless flow between the kitchen, dining, and living areas—perfect for everyday living and entertaining. The home offers three bedrooms and two updated full bathrooms. Unique tile-and-wood flooring throughout the main living areas adds character and warmth, while newer French windows throughout invite natural light and coastal breezes. The outdoor spaces are a true highlight. Both the front and backyards are meticulously landscaped, offering multiple areas for relaxation and entertaining. The low-maintenance, water-efficient desert scape front yard brings great curb appeal, while the backyard features a relaxing environment with a built-in waterfall fountain, a pergola, a gazebo, turf, and a retaining wall. A thoughtfully designed erosion-controlled path up the hill leads to a flat upper yard extra space with partial ocean and lagoon views of San Elijo Lagoon and Seaside State Beach.
Listing agent: Dallas Hartley DRE #02128710 dallashartleyrealtor@gmail.com, Listing office: Lineage Real Estate
MLS data updated 10/29/2026, 1:29:45 PM PT
Source: CRMLS, MLS #: 260001771SD
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Feb 23, 2026
Prices use the left axis; mortgage rates use the right. Hover, tap, or focus the chart and use the arrow keys. Red SOLD badges mark recorded sales.
This home · nearest recorded event
$1,610,000Closed sale · Feb 23, 2026ZIP 92007 · Feb 2026
No monthly averageAt least 3 eligible sales in this month are required.30-year fixed mortgage benchmark
No weekly rateNo published rate within 7 days of this date.ZIP averages use publicly displayable closed sales from our licensed MLS feed, matched to the same ZIP and exact property type. Months with fewer than 3 sales are omitted; the current month is incomplete. Lines connect available monthly observations across gaps and do not represent measured prices in missing months. These averages are not adjusted for size, condition, or location within the ZIP, and are not an appraisal. Feed coverage may not include every sale. All available shows the available home and ZIP history, with mortgage rates over the same dates.
Mortgage benchmark: Freddie Mac Primary Mortgage Market Survey®. © Freddie Mac. Weekly national 30-year fixed rates, not APRs or a loan quote. Actual terms vary. Methodology changed in November 2022. The chart does not establish that interest-rate changes caused a home’s price changes.
Lines connect recorded asking and sale prices. They are visual guides, not estimates of the home’s value between those dates.
No earlier records were returned by our current sources. This does not mean the home has never sold.
MLS records may be incomplete. Earlier asking prices are not sale prices.