1660 Neptune Ave , Encinitas, CA 92024
$5,850,000
Est. Payment: $31,909.98/mo
6 Bed
3 Bath
3580 Sqft
0.22 Acres
Status: Pending | Days on site: 4
Get Pre-Qualified
11967 - 113041,180256
By proceeding and clicking the sign up button, you consent to receive calls and texts (SMS/MMS) including marketing and promotional communications, from Chris Heller, its affiliates, and agents or vendors acting on their behalf. These communications may be delivered using an automatic telephone dialing system or by using an artificial or prerecorded voice. Message and data rates may apply. To opt out of text messages, reply STOP. Your consent is not required as a condition of any purchase. By continuing, you also agree to our Terms of Use and Privacy Policy.

House Description

Rarely does an opportunity like this come along. First time on the market. Same family has enjoyed this cherished location for decades. Perched on Neptune Avenue — the most coveted street in Encinitas — this sprawling oceanfront property delivers unobstructed, sweeping views of the Pacific and a blank canvas to create the coastal dream home you've always envisioned. At 3,570 square feet with 6 bedrooms and 4 bathrooms, the home is configured as a main residence (approx. 2730 sq ft | 4 bed/2 bath) plus a 2-bed/1 bath ADU (approx. 850 sq ft). Each unit has a 2 car garage, offering incredible flexibility for multigenerational living, rental income, or the opportunity to combine it all into one grand single-family oceanfront residence. The possibilities are truly yours to define. The main residence's second floor is made for entertaining — an open kitchen and family room open directly to a generous deck where sunset becomes a nightly ritual. Imagine afternoons soaking in the Pacific sun, the sound of waves below, and uninterrupted ocean views stretching as far as the eye can see. The updated ADU with Luxury Vinyl plank flooring, newer windows and cabinets along with quartz countertops and stainless steel appliances impresses with its very own panoramic Pacific views from the kitchen and family room. Additionally it has a deck off the family room and bedroom that delivers even more breathtaking oceanfront scenery. Steps to Grandview Beach and just minutes from the eclectic restaurants and cafes lining Coast Highway in Leucadia, the location is as good as it gets in North County San Diego. Bring your vision. This is your chance to craft an extraordinary oceanfront legacy on one of Southern California's most sought-after streets.

Highlights

Listed by Elizabeth Papalia , 760-390-1438 and John Finley , 760-815-2266 eXp Realty of California, Inc , 888-584-9427. CRMLS/Multi-Regional MLS mls logo

Property Type

Residential

Lot/Acreage
0.22

Year Built

1978

County

San Diego

Area

92024 - Encinitas

School District

San Dieguito Union

Listing ID

NDP2607817

Questions about this listing?

Contact Agent

Interior Features

Bedrooms and Bathrooms
  • ▪ Bedrooms:6
  • ▪ Bathrooms:3
  • ▪ Full Bathrooms:3
Appliances:Dryer, Washer
Other:
  • ▪ Additional:Bedroom on Main Level, Main Level Primary, Primary Suite

Exterior Features

Lot:Bluff,Back Yard,Front Yard,Landscaped,Value In Land,Waterfront,No Land Lease
Garage Capacity:8
Zoning:R-2 Minor Multiple
Others:
  • ▪ Additional:Has ADU
Sewer:Public Sewer
Principal Interest
$31,910
Taxes
$3,729

Home Price

$5,850,000

Loan Details

30 yrs
7.245%

Down Payment

20%
$1,170,000
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:
$31,909.98

Principal

Taxes

Principal Taxes HOA Total
Monthly $31,909.98 $3,729.38 $0.00 $35,639.35
Yearly $382,919.76 $44,752.50 $0.00 $427,672.26
Total $11,487,592.75 $1,342,575.00 $0.00 $12,830,167.75

Today's Rates

30 Year

7.25%

20 Year

7.27%

15 Year

6.6%

Never Miss a Property

Be the first to know when a property hits the market.

Current Listings

Last 30 Days
N/A
Oct 2026

Average Price

All Price Ranges
N/A
Oct 2026

Average Days on Market

All Price Ranges
N/A
Oct 2026
Market insight data is pulled from the same city as the listing being viewed (Encinitas, 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.

Based on information from California Regional Multiple Listing Service, Inc. This information is for your personal, non-commercial use and may not be used for any purpose other than to identify prospective properties you may be interested in purchasing. Display of MLS data is usually deemed reliable but is NOT guaranteed accurate by the MLS. Buyers are responsible for verifying the accuracy of all information and should investigate the data themselves or retain appropriate professionals. Information from sources other than the Listing Agent may have been included in the MLS data. Unless otherwise specified in writing, Broker/Agent has not and will not verify any information obtained from other sources. The Broker/Agent providing the information contained herein may or may not have been the Listing and/or Selling Agent. All properties are subject to prior sale, change or withdrawal.

IDX service by Blueroof 360

Data last updated: 2026-10-05T07:15:24.000Z

© 2026 CRMLS/Multi-Regional MLS

MLS Logo - CRMLS/Multi-Regional MLS