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518 Sheffield Ave1 / 56 · Click to zoom

About this home

Welcome to 518 Sheffield Avenue, where everyday living feels like a coastal retreat in the heart of Cardiff, in the Composer District. Tucked behind an automatic privacy gate on a low-traffic street west of I-5, this 6-bedroom, 4.5-bathroom residence offers the perfect blend of comfort, function, & lifestyle. Spanning approx. 3,826 square feet across two levels, the home is thoughtfully designed for modern family living. A highly desirable main-level en-suite bedroom, ideal as a guest suite or "Nana's room," adds flexibility for multigenerational living. Upstairs, all additional bedrooms provide a cohesive layout perfect for families, while the spacious primary suite features dual walk-in closets and an expansive bathroom retreat. Natural light pours through abundant windows, highlighting the home's architectural character and seamless flow. Multiple fireplaces in the living room, family room, and primary bedroom create warm, inviting spaces throughout. The upgraded kitchen, complete with a Sub-Zero refrigerator, opens effortlessly to indoor and outdoor gathering areas, making day-to-day living and entertaining feel effortless. Butler's pantry included. Outside, a private courtyard and beautifully curated backyard designed for connection and relaxation come complete with a fire pit, fountain, pergola, and outdoor BBQ. Trail access to Encinitas Community Park, Seaside Market, Cardiff Elementary, local dining, shopping, and some of North County's best beaches, this home offers exceptional walkability and a vibrant coastal lifestyle.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$1,905,000 · Dec 2016
📋 Assessed value$2,255,126
💵 Annual tax$25,217
🏫 School districtSan Dieguito Union High School District

MLS #260011415

🔥 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
$28,161
Principal & interest$22,729
Property tax$4,120
Home insurance$1,311
Down payment: $899,000Loan: $3,596,000

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