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1477 Neptune Ave, Encinitas, CA, 92024

4beds
3baths
2,382sqft
$4,600,000
$1,931price/sqft
$28,852/moest. monthly cost
$1,154,080/yrincome needed

About This Home

Experience the ultimate coastal lifestyle on Leucadia's most iconic street. Stunning, sit-down white water ocean view home, with unique architecture inspired by the natural curve of the waves-blending refined elegance with a laid-back coastal feel. Enter through the grand entrance to the upper level and you’re immediately drawn forward—as if the home itself is guiding you to the view. An expansive deck spanning the width of the home, allows sunlight to pour through walls of glass-the ocean becomes the focal point. At the heart of the home, the great room unfolds beneath soaring ceilings. An open concept design seamlessly connects living, dining, and kitchen spaces suited for cooking, entertaining, or quiet evenings by the fireplace, framed by sweeping coastal views. The gourmet kitchen features custom cabinetry, attached oversized granite island with prep sink, professional-grade appliances and pantry-creating a space both beautiful and functional. The primary suite is a serene retreat, complete with walk-in closet, and private balcony where mornings begin with the sound and sight of the ocean. The en suite bath is equally indulgent, with dual vanities, a jetted bathtub, spacious shower and a sunlit dome fills the space with natural light. On the ground level, three beautifully appointed bedrooms, open through sliding glass doors to a terraced stone patio. A full bathroom and laundry room with sink, add everyday convenience. After a morning surf or beach walk, rinse off in the outdoor shower-perfect for salty hair and sandy toes. Owned Solar and a Tesla charger complete the home blending sustainability with modern luxury. On Neptune, spectacular sunsets become a celebration, and life unfolds with effortless access to epic surf, beaches, boutiques, award winning dining, craft breweries, fitness studios and coffee houses-capturing the essence of the Leucadia lifestyle. First time on the market.

Getting Around

69
WalkingSomewhat Walkable
0
TransitVery Limited Transit
35
BikeSomewhat Bikeable

Schools

9/10
Diegueno Middle SchoolGrades 7-84.0 mi
9/10

Construction

Condition

  • Year built: 2001

Type & Style

  • Home type: SingleFamily
  • Property subType: Single Family Residence

Interior

Appliances

  • Laundry features: Laundry Room

Bathroom

  • Features: Granite Counters,Jetted Tub,Vanity

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 2
  • 1/2 bathrooms: 1
  • Main level bathrooms: 2
  • Main level bedrooms: 1

Features

  • Window features: Skylight(s)
  • Fireplace features: Gas,Great Room
  • Fireplace: Yes
  • Common walls with other units/homes: No Common Walls

Heating & Cooling

  • Heating features: Central
  • Cooling features: Central Air

Interior Area

  • Total interior livable area: 2,382 sqft

Property

Details

  • Parcel number: 2540552701
  • Zoning: R-1 Single Family Res
  • Special condition: Standard

Features

  • Levels: Two
  • Stories: 2
  • Entry location: 1
  • Pool features: None
  • Has view: Yes
  • View description: Coastline,Ocean
  • Has water view: Yes
  • Water view: Coastline,Ocean
  • Waterfront features: Ocean Side Of Highway

Lot

  • Lot size: 8,238 sqft
  • Features: 0-1 Unit/Acre

Parking

  • Total spaces: 2
  • Parking features: Garage - Attached
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Earthquake
    EarthquakeModerate
  • Heat Wave
    Heat WaveModerate
  • Inland Flooding
    Inland FloodingModerate
  • Wildfire
    WildfireModerate

How This Home’s Risks Compare

Earthquake
Heat Wave
Inland Flooding
Wildfire

FEMA Declared Disasters in San Diego County and California

Earthquake
Flood
Mud Landslide
Severe Storm
Tropical Storm
Winter Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $23,260$279,120
Home Insurance *$609$7,308
Property Taxes $4,473$53,676
Electricity $510$6,129
Total$28,852$346,224
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$989,211/yr
40% on housing$865,560/yr
45% on housing$769,386/yr

California FAIR Plan Programs

California FAIR Plan Association

Covered
WildfireWildfire
Visit Website →
Current Policies
Residential: 417,310Commercial: 13,990
Total Premiums$1.42B
Total Exposure$429.84B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 8.9%
8.9%
0%30.0%
Electricity Growth Rate10-year average: 4.3%
4.3%
0%15.0%
Property Taxes Growth Rate2-year average: 1.1%
1.1%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$1,931This listing

vs Other Active Listings

Avg $/sqft

ZIP 92024$908
San Diego County$558

vs Homes Sold Last Month

Median $/sqft

ZIP 92024$935
San Diego County$576

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-05-04Listed for sale$4,600,000

For Sale by Agent

AgentNancy McConnell
BrokerageWillis Allen Real Estate

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