1630 Neptune Ave, Encinitas, CA — $7,495,000

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About this home

With private stairs leading directly to the beach, this 4BD, 4BA retreat provides access to The Surf, The Sand & The Lifestyle. Set on a 10,119-sqft oceanfront lot w/a sweeping garden patio, experience an exclusive piece of Leucadia's coastal character. Sophisticated & laid-back, the main level features a seamless flow between the living & dining; upstairs 2 of the 4 bedrooms feature ocean views from the balconies & the primary suite bathtub. Plus: 2-car garage, 4 driveway parking spots, an ocean-view office, tons of storage. Major perk: Walk to the buzzy restaurant scene.

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Public-record history for this property.

🌊 Flood zoneVE / High Risk - Coastal

🏷 Last sold$460,000 · Dec 1994

📋 Assessed value$4,962,493

💵 Annual tax$53,567

🏫 School districtSan Dieguito Union High School District

MLS #260009663SD

🔥 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

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Estimated total monthly payment

$46,955

Principal & interest$37,899

Property tax$6,870

Home insurance$2,186

Down payment: $1,499,000Loan: $5,996,000

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