948 Emma Cardiff By The Sea

948 Emma Cardiff By The Sea

D

Cardiff-by-the-Sea, CA 92007

$2,495,000

Soft Appraisal Value: $2,434,800 · 2.5% above estimate

Beds

5

Baths

4

Sqft

1,981

Year Built

1964

Days on Market

8

Property Type

Single Family

HOA/mo

N/A

MLS ID

260006371SD

Description

Welcome to a Cardiff by the Sea ocean view home where luxury meets coastal living. This completely upgraded four-bedroom residence offers nearly 2,000 square feet of thoughtfully designed living space, crafted with elevated finishes and attention to every detail. From the moment you step inside, you are greeted by soaring vaulted ceilings, expansive natural light, and an open-concept layout that creates both comfort and sophistication. At the heart of the home is a stunning designer kitchen featuring rich walnut cabinetry, entertainers island, high-end finishes, and a seamless flow perfect for entertaining or everyday living. Wood-grain tile flooring runs throughout, offering the warmth of hardwood with modern durability, complemented by upgraded lighting that enhances every space. With four spacious bedrooms and 2 primary suites, this home provides flexibility for families, guests, or a dedicated office. The primary suite serves as a private retreat, blending comfort, style, and functionality. The second primary suite is perfect for visitors and access to those ocean views. Adding even more value, the property includes an ADU ideal for extended family, guests, or potential rental income. The true highlight is the breathtaking ocean views that elevate everyday living into something extraordinary. This is more than just a home, it is a lifestyle upgrade, offering a turnkey coastal opportunity with high-end finishes, versatile living, and unforgettable sunset views. Welcome to a Cardiff by the Sea home where luxury meets coastal living. This completely upgraded four-bedroom residence offers nearly 2,000 square feet of thoughtfully designed living space, crafted with elevated finishes and attention to every detail. From the moment you step inside, you are greeted by soaring vaulted ceilings, expansive natural light, and an open-concept layout that creates both comfort and sophistication. At the heart of the home is a stunning designer kitchen featuring rich walnut cabinetry, entertainers island, high-end finishes, and a seamless flow perfect for entertaining or everyday living. Wood-grain tile flooring runs throughout, offering the warmth of hardwood with modern durability, complemented by upgraded lighting that enhances every space. With four spacious bedrooms and 2 primary suites, this home provides flexibility for families, guests, or a dedicated office. The primary suite serves as a private retreat, blending comfort, style, and functionality. The second primary suite is perfect for visitors and access to those ocean views. Adding even more value, the property includes an ADU ideal for extended family, guests, or potential rental income. The true highlight is the breathtaking ocean views that elevate everyday living into something extraordinary. This is more than just a home, it is a lifestyle upgrade, offering a turnkey coastal opportunity with high-end finishes, versatile living, and unforgettable sunset views.

Mortgage Calculator

Est. Monthly Payment

$15,839

Principal & Interest$12,616
Property Tax$2,495
Insurance$728
%($499,000)
%

Investment Score

1D
Est. Monthly Rent
$7,912
Monthly Cashflow

Rent − PITI − HOA

$-7,927
Full Cashflow

Incl. vacancy, PM, maint, capex

$-11,826

Mortgage (P+I)
$12,616
Cap Rate
0.38%
Cash-on-Cash
-28.44%
DSCR

⚠️ Need ≥ 1.25 for DSCR loan

0.50
Break-even Rent
$23,270

NOI (Annual)
$9,481
Price-to-Rent

Lower = better for investors

26.3

* 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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