948 Emma Cardiff By The Sea
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948 Emma Cardiff By The Sea

D

Cardiff-by-the-Sea, CA 92007

$2,395,000
NEW — 0d

Beds

5

Baths

4

Sqft

1,981

Year Built

1964

Days on Market

0

Property Type

Single Family

HOA/mo

N/A

MLS ID

260009795SD

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

About This Property

Welcome to a Cardiff by the Sea ocean view home where luxury meets coastal living. This completely upgraded four-bedroom residence plus ADU offers nearly 2,000 of combined 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

$15,204

Principal & Interest$12,110
Property Tax$2,395
Insurance$699
%($479,000)
%

Location

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Investment Score

7D
Est. Monthly Rent
$8,383
Monthly Cashflow

Rent − PITIA

$-6,821
Full Cashflow

Incl. vacancy, PM, maint, capex

$-10,745

Mortgage (P+I)
$12,110
Cap Rate
0.68%
Cash-on-Cash
-26.92%
DSCR

Need ≥ 1.25 for DSCR loan

0.55
Break-even Rent
$22,338

NOI (Annual)
$16,381
Price-to-Rent

Lower = better for investors

23.8

* 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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