
1632 Brahms Cardiff By The Sea
Ctop 80%Cardiff-by-the-Sea, CA 92007Neighborhood: Cardiff-by-the-Sea
28 licensed short-term rentals within ½ mile (21 whole home), from the cities' license and permit lists of Nov 11, 2026.
Pass at asking: -$25,267/mo full cashflow at 20% down, 7.43% rate.
Works at $2,005,074 (62% under asking), or at 89% down.
Rent $20,000/mo from 8 leases of 3–5 bed houses within 0.5 mi, same school area ($11,086–$18,223). Previously leased for $20,000.
Beds
4
Baths
4
Sqft
3,934
Year Built
1992
Days on Market
95
Property Type
Single Family
HOA/mo
N/A
MLS ID
NDP2607475
This property is in Cardiff-by-the-Sea (92007). View neighborhood stats →
About This Property
The home is located on one Cardiff's premier private streets in the Composer District; overlooking a private canyon to the front and the ocean to the back. The location offers unparalleled privacy and walkability to the beach, shopping and dining. The soft contemporary home was professionally remodeled seven years ago with meticulous attention paid to every detail. The home is offered furnished with high end Restoration Hardware furnishings; top of the line appliances, custom lighting and art (Some of the art and furnishings are not included). This is a one of a kind beautifully crafted custom home and offers a rare ownership opportunity. Spanning nearly 4,000 square feet, the 4-bedroom, 4-bath residence includes a rare oversized 4-car garage and a resort-style outdoor oasis featuring a Pebble Sheen blue granite pool and spa, fire pit, built-in BBQ, and custom LED lighting. Four expansive terraces with sleek glass railings and a generously sized yard create seamless indoor-outdoor living, ideal for both everyday comfort and elevated entertaining. Every detail has been thoughtfully curated, defining true coastal luxury. The chef’s kitchen is a true showpiece, equipped with Sub-Zero refrigeration, a Wolf 36” gas range with griddle, Vent-A-Hood stainless steel hood, Bosch dishwasher, Miele integrated refrigeration and combi-steam oven, and Blanco fixtures. Designed to impress, the home also offers a game room, wine cellar, wet bar, and Sonos surround sound system. Just minutes from Cardiff’s top restaurants, grocery stores, boutiques, parks, and the beach, this extraordinary residence captures the very best of coastal California living.
Mortgage Calculator
Est. Monthly Payment
$36,255
Location
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Zoned Schools
Elementary
Ada W. Harris Elementary · grades 3-6 · Cardiff Elementary
Middle
Oak Crest Middle · grades 7-8 · San Dieguito Union High
High
La Costa Canyon High · grades 9-12 · San Dieguito Union High
The district's assigned schools for this parcel, from its attendance boundaries and rules. Boundaries change: confirm with the district before you buy.
Comparable Properties
1 comp foundThis Property
$20,000
Comp Average
$12,031
Comps based on same zip code, similar beds (±1), price range (60-150%).
Investment Score
Previously leased for $20,000
8 leases of 3–5 bed houses within 0.5 mi, same school area · $11,086–$18,223
Rent − PITIA
Incl. vacancy, PM, maint, capex
What would make this work?
$25,267/mo short at 20% down; 89% down or +$32,815/mo rent closes it.
- Break-even price
- $2,005,074
- Break-even rent
- $52,815/mo
- Cashflow at 35% down
- −$19,752/mo
- Down payment to break even
- 89%
- Rate to break even
- Not reachable
62% under asking
$32,815/mo above the estimate
$4,712,550 cash
Negative even at a 0% loan
Need ≥ 1.25 for DSCR loan
Lower = better for investors
* Modelled at 20% down, 7.43% rate, 30yr · vacancy 8% · PM 10% · capex 5% · maintenance 1%/yr.
Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.
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