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518 Neptune Ave1 / 58 · Click to zoom

About this home

Positioned along one of the most coveted stretches of Neptune Avenue, this exceptional oceanfront residence offers a rare combination of scale, privacy, and timeless quality. Built in 2013 with enduring craftsmanship and premium materials, including Accoya wood trim, the home was designed for both beauty and longevity. Significantly larger than most recent Neptune Avenue offerings, the residence features expansive living spaces, en suite baths for every bedroom, elevator access to all floors, and a rare three-car garage. Outdoor living is exceptional, with an expansive 60x40 foot oceanfront terrace offering substantially more usable waterfront space than most homes on Neptune Avenue, ideal for entertaining or enjoying panoramic sunsets. The property is further enhanced by both a lower seawall and upper bluff retention system, valuable improvements rarely found together. Set back from the street, a private front lanai with a covered seating area and fireplace creates a welcoming outdoor living room, sheltered from both the street and coastal elements. Ideally located in the heart of Neptune Avenue, the home is just minutes from Beacons, Stone Steps, and Moonlight Beach, as well as the shops, restaurants, and cafs of downtown Encinitas. A rare opportunity to own one of Encinitas's premier oceanfront homes, offering exceptional volume, privacy, quality construction, and an irreplaceable coastal lifestyle.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
📋 Assessed value$2,421,175
💵 Annual tax$26,561
🏫 School districtSan Dieguito Union High School District

MLS #260016161

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

Estimate your monthly payment. Adjust the numbers to fit your budget.

Down payment %
Interest rate %
Loan term (yrs)
Property tax %/yr
Home insurance %/yr
Estimated total monthly payment
$48,866
Principal & interest$39,441
Property tax$7,150
Home insurance$2,275
Down payment: $1,560,000Loan: $6,240,000

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.