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348 La Mesa Ave1 / 32 · Click to zoom

About this home

Just four doors from Stone Steps Beach access, this beautifully renovated 3-bedroom, 2.5-bath (with detached ADU!) home offers the coastal Encinitas lifestyle at its finest. Inside, thoughtful updates create a fresh, move-in-ready feel throughout bright living spaces, modern finishes, and a layout built for easy everyday living or effortless entertaining. A detached ADU studio adds exceptional flexibility: multigenerational living, a private guest suite, rental income potential, or the ultimate home office/creative space, all with its own separate footprint and private access off the alley. But the real showstopper is the location. A short distance to one of Encinitas' most beloved beach accesses, with the surf breaks, sandy beach, and sunset views that define North County coastal living. Wander to the local spots for morning coffee, evening waves, or weekend gatherings. Whether you're searching for a primary residence, a savvy investment with income potential, or your forever beach home, this opportunity delivers a rare combination of renovated comfort, added flexibility, and an unbeatable location.

🏠 HomeFax

Public-record history for this property.

🌊 Flood zoneX / Low/Medium Risk
🏷 Last sold$910,000 · Sep 2013
📋 Assessed value$1,185,184
💵 Annual tax$13,039
🏫 School districtSan Dieguito Union High School District

MLS #NDP2607205

🔥 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
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Estimated total monthly payment
$20,361
Principal & interest$16,434
Property tax$2,979
Home insurance$948
Down payment: $650,000Loan: $2,600,000

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