1927 Playa Riviera Cardiff By The Sea
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1927 Playa Riviera Cardiff By The Sea

C

Cardiff-by-the-Sea, CA 92007

$2,449,000

Soft Appraisal Value: $2,395,200 · 2.2% above estimate

Beds

4

Baths

3

Sqft

2,496

Year Built

1988

Days on Market

48

Property Type

Single Family

HOA/mo

N/A

MLS ID

260012287SD

This property is in Cardiff-by-the-Sea (92007). View neighborhood stats →

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About This Property

Welcome to Cardiff by the Sea! This incredible two-story home with ocean views and ADU is a testament to coastal living at its finest. The updated open concept kitchen features high-end stainless steel appliances, a walk-in pantry, wine fridge, and breakfast bar ideal for casual dining or entertaining, all overlooking the living and dining areas. The living room, anchored by a modern stacked-stone fireplace, seamlessly flows out to the covered patio and tiered backyard a perfect setting to enjoy indoor-outdoor SoCal living. The main level also includes a dining room, one bedroom, and a full bath, offering convenience and flexibility. Upstairs, two well-appointed bedrooms await, including an expansive primary suite. Vaulted ceilings, a western-facing picture window with panoramic ocean views, an office nook, and a large walk-in closet create a true serene retreat. The stunning primary bathroom was completely remodeled in 2025! The exterior is a meticulously designed oasis. A covered patio provides the perfect setting for outdoor dining and entertaining, while the 25 owner-owned solar panels ensure full energy efficiency. Situated on a desirable 9,000 sq. ft. corner lot, there's room for RV parking or another future ADU. BONUS! A separate studio/guest house with its own private entrance and yard presents an ideal space for in-laws or rental income. Complete with a kitchenette, stacked washer/dryer, walk-in closet, full bathroom, and private deck. Enjoy an excellent location close to shopping, charming restaurants, award-winning schools, and Swami's Beach. This one has it all!

Mortgage Calculator

Est. Monthly Payment

$15,547

Principal & Interest$12,383
Property Tax$2,449
Insurance$714
%($489,800)
%

Location

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Investment Score

3D
Est. Monthly Rent
$7,477
Monthly Cashflow

Rent − PITIA

$-8,069
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,830

Mortgage (P+I)
$12,383
Cap Rate
0.27%
Cash-on-Cash
-28.98%
DSCR

Need ≥ 1.25 for DSCR loan

0.48
Break-even Rent
$22,841

NOI (Annual)
$6,641
Price-to-Rent

Lower = better for investors

27.3

* Defaults: 20% down, 6.5% rate, 30yr.

Estimates only. Not financial advice. Verify all figures independently with a licensed professional before making any investment decision.

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