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Beach Chic meets Cardiff Cool! Perched atop one of the highest lots west of Interstate 5 in coveted Cardiff-by-the-Sea, this exceptional coastal property presents a rare opportunity to enjoy a serene beach retreat, secure a high-performing income property, or explore future development potential. Situated on an elevated 5,000 sq ft lot with horizon sunset and peek ocean views, the property offers the possibility to build two homes with potential ocean views on two underlying legal lots. Currently configured as a turnkey, single-level coastal retreat, the home was completely renovated in 2023 by renowned design/build firm Buechler Builders. The beautifully updated main residence features 4 bedrooms and 3.5 bathrooms across approximately 1,408 sq ft, complemented by an attached private 259 sq ft ADU — ideal for guests, rental income, or multi-generational living. Each residence enjoys its own private entrance, garage, legal address, and separate gas and electric meters. Recent rental history totals approximately $12,900/month ($9,000 main house; $3,900 ADU). Inside, white oak flooring, soaring open-beam cedar ceilings, and abundant natural light create a warm yet refined coastal aesthetic. The open-concept layout flows seamlessly from the quartzite chef’s kitchen with oak cabinetry and stainless-steel appliances into the living and dining spaces. Three of the four bedrooms open directly to private outdoor patios through French or sliding doors, while two ensuite bedrooms provide added comfort and flexibility. Professionally landscaped grounds offer three private patios, a tranquil water feature, two firepits, and lush greenery enhanced by automatic ambient lighting — perfect for entertaining or relaxing year-round. The newly built 2023 ADU includes a full kitchen, full bathroom, stacked washer and dryer, stainless appliances, and a spacious private deck with firepit, creating a peaceful standalone retreat or premium rental opportunity. Future development possibilities further enhance the value, with two underlying legal lots allowing potential construction of a legal twin-home configuration. Conceptual plans envision approximately 2,150 sq ft attached single-family residences, each with its own ADU and two-car garage (buyer to verify). Additional highlights include a 2-car garage for the main home, 1-car garage for the ADU, cedar shake shingle exterior showcasing true coastal character, and a quiet, private top-of-the-hill location within the highly desirable Cardiff and San Dieguito school districts. A rare blend of lifestyle, income potential, and future upside in one of North County’s most sought-after coastal communities.
Listing agent: Tyler Polan DRE #00917504 tyler.polan@compass.com, Listing office: Compass
MLS data updated 11/4/2026, 2:55:00 AM PT
Source: CRMLS, MLS #: NDP2510708
Belmont insights
Compare recorded home prices, same-type ZIP sales and mortgage rates.
Jul 29, 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
$3,167,130Closed sale · Jul 29, 2026ZIP 92007 · Jul 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.
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MLS records may be incomplete. Earlier asking prices are not sale prices.