518 Sheffield , Cardiff, CA 92007
$4,495,000
Est. Payment: $22,698.43/mo
6 Bed
4.5 Bath
3826 Sqft
Status: active | Days on site: 63
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VCR-C15903466 - VCR-C159091383,VCR-C159052275

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House Description

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.

Highlights

Listed by Jeff Grant , 858-336-9836 Sand & Sea Investments , 949-988-3000. San Diego County Multiple Listing Service mls logo

Property Type

Residential

Lot/Acreage
0.18

Year Built

2002

County

San Diego

Area

Coastal North

Neighborhood

Cardiff By The Sea

School District

Cardiff School District

Listing ID

260011415

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Interior Features

Bedrooms and Bathrooms
  • Bedrooms:6
  • Bathrooms:4.5
  • Full Bathrooms:4
  • 1/2 Bathrooms:1
Appliances:Dishwasher, Disposal, Dryer, Garage Door Opener, Microwave, Washer, Water Filtration, 6 Burner Stove, Built In Range, Double Oven, Gas Stove, Grill, Barbecue, Gas Range, Water Purifier, Built-In, Counter Top, Gas Cooking
Air Cond:Central Forced Air
Fireplaces:FP in Family Room,FP in Living Room,FP in Primary BR
Floor:Stone
Other:Available,Meter on Property

Exterior Features

Garage Capacity:6
Zoning:R-1:SINGLE
Roof:Spanish Tile
Sewer:Sewer Connected
Parking Features:Attached,Gated,Garage Door Opener
Principal Interest
$22,698
Taxes
$2,866

Home Price

$4,495,000

Loan Details

30 yrs
6.487%

Down Payment

20%
$899,000
All calculations are estimates and provided by Blueroof360. Today’s Rates provided by Blueroof360. Information and interactive calculators are made available to you only as self-help tools for your independent use and are not intended to provide investment or tax advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Monthly Price:
$22,698.43

Principal

Taxes

Principal Taxes HOA Total
Monthly $22,698.43 $2,865.56 $0.00 $25,563.99
Yearly $272,381.17 $34,386.75 $0.00 $306,767.92
Total $8,171,435.16 $1,031,602.50 $0.00 $9,203,037.66

Today's Rates

30 Year

6.49%

20 Year

6.28%

15 Year

5.8%

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Market insight data is pulled from the same city as the listing being viewed (Cardiff, CA).

The schools listed are within a 2-mile radius of the property; however, attendance is not guaranteed. Please contact the local school district to confirm zoning and enrollment options.

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Data last updated: 2026-08-10T22:38:39.000Z

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