90 Coast Highway 101

90 Coast Highway 101

D

Encinitas, CA 92024

$1,950,000
NEW — 2d on market

Beds

2

Baths

2.5

Sqft

1,581

Year Built

2009

Days on Market

2

Property Type

Condo

HOA/mo

$576

MLS ID

NDP2602642

Description

Ocean View Coastal Luxury Condo – Rare Opportunity in The Lofts! Experience the ultimate Encinitas lifestyle! This sophisticated two-story condo on Pacific Coast Highway sits at the epicenter of Encinitas coastal living, just steps from iconic Moonlight Beach, and in the heart of downtown. Five private outdoor spaces — including a rooftop deck with sweeping ocean views and four private balcony terraces accessible via French doors — make this a rare multi-terrace property virtually impossible to replicate in today’s market. Catch breathtaking sunsets every evening or simply enjoy the salt air and surf sounds that define this lifestyle. Inside, the open main level delivers a bright, flowing living area with ocean views and a premium kitchen outfitted with high-end finishes, abundant counter space, and smart storage.Two full en-suite bedrooms each feature their own private balconies and spa-quality baths — perfect for personal use, hosting guests, or long-term rental income.Two secured parking spaces — a private garage and a dedicated spot in the gated underground garage — complete the package, along with additional storage. Walk to Encinitas’ best restaurants, boutique shops, coffee houses, and year-round entertainment. Properties in The Lofts at Moonlight Beach are rarely released — and when they are, they don’t last. This is that moment.

Mortgage Calculator

Est. Monthly Payment

$12,955

Principal & Interest$9,860
Property Tax$1,950
Insurance$569
HOA$576
%($390,000)
%

Investment Score

0D
Est. Monthly Rent
$3,729
Monthly Cashflow

Rent − PITI − HOA

$-9,226
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,709

Mortgage (P+I)
$9,860
Cap Rate
-1.14%
Cash-on-Cash
-36.03%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.29
Break-even Rent
$18,935

NOI (Annual)
$-22,184
Price-to-Rent

Lower = better for investors

43.6

* 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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