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156 Cerro St1 / 20 · Click to zoom

About this home

Located in one of Encinitas's most desirable neighborhoods, this beautifully updated home features natural light with plenty of room to work, unwind, and grow. Out back, a large, flat yard with turf is complete with space for an outdoor gym, multiple lounging areas, and an outdoor grill and fire pit. Additionally, with a fully usable lot, there is plenty of opportunity for an addition or ADU. Step outside and the neighborhood does the rest: coffee, restaurants, top-rated schools, and Trader Joe's are a short bike ride away, downtown Encinitas is right around the corner, and Moonlight Beach is just three miles down the road. Newer energy-efficient heating and cooling. Low-water landscaping. Paid-off solar, no HOA, and no Mello Roos. A home that's truly move-in ready, in a neighborhood people never want to leave.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$1,400,000 · Oct 2022
📋 Assessed value$1,485,690
💵 Annual tax$16,368
🏫 School districtSan Dieguito Union High School District

MLS #260018152

🔥 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
$12,217
Principal & interest$9,860
Property tax$1,788
Home insurance$569
Down payment: $390,000Loan: $1,560,000

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