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658 Santa Fe Dr #601 / 39 · Click to zoom

About this home

Rare opportunity to own two townhomes side by side. Live in one, lease the other. New roof, washer, dryers, and water heaters in 2021. Each home consists of approx. 2000 sqft with 3BR/2.5BA, fireplace in living room, kitchen, laundry, attached 2-car garage, bonus room for art studio/office or gaming, and spacious fenced yard. Each home is a mirror image of the other (reversed floorplan). The driveway can accommodate an additional 6 cars and/or RV/boat. Homes are joined only at the storage room walls. Peek ocean view. Walk a few blocks to the beach or dinner. Investment options to condo map it or do a lot split and sell each one individually. City of Encinitas indicates ADU/JRADU - ok. Realtor.com has a market value of $3.2M. Don't miss this!

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$2,068,000 · Nov 2025
📋 Assessed value$2,068,000
💵 Annual tax$22,472
🏫 School districtSan Dieguito Union High School District

MLS #260013601SD

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone

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
$18,481
Principal & interest$14,917
Property tax$2,704
Home insurance$860
Down payment: $590,000Loan: $2,360,000

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