Nestled in the heart of Cardiff-by-the-Sea, this rare property embodies the essence of Southern California’s beachside lifestyle. Tastefully updated 3BD / 1BA / 1072 SF main residence and captivating two-story 1 BD / 1BA ADU w/ jaw-dropping panoramic sea views. Quiet location, R-11 5,000 SF lot with alley access, offering unmatched versatility and future possibilities. The main home has a ton of character w/ exposed beam ceilings throughout and gorgeous refinished hardwood floors. (See supplement)Highlights include a coastal-inspired kitchen with quartz countertops, stainless steel appliances (including an induction cooktop), luxury vinyl plank flooring, and eat-in dining area. Spa-like bathroom w/ dual vessel sinks and a spacious living room with a classic red brick fireplace invite relaxation. The full-size washer/dryer in the hallway and a flexible 1-car garage that offers potential for conversion into a master suite or expanded living quarters as it shares a wall with the living room- a perfect spot to add a doorway. The show-stopping ADU, perched above the garage, spans approximately 554 SF plus an additional 147 SF of low-ceiling lounge area adjacent to the loft bedroom area. Designed to optimize layout and highlight breathtaking seascapes from nearly every window, it boasts a sleek kitchen w/ butcher-block counters, gold accents, modern appliances, and raw hardwood floors. Additional features include a full bathroom, office nook, and spacious loft that easily accommodates a king bed. The 310 SF private deck offers sweeping water views, perfect for enjoying Cardiff’s iconic sunsets. A covered laundry area, private yard, and separate entrance make this unit ideal as an income generator or guest retreat. This property offers boundless potential w/ alley access and concept plans for a spectacular 1,035 SF, 2-bedroom, 2-bath ADU w/ deck options to capture sea vistas. Parking options abound, with two existing driveway spaces, 1-car garage, and potential for two more spaces in front, and additional parking off the alley to enhance value and appeal. Current ADU tenants generate $3,560 per month in rental income with a lease through October 2025, making this an exceptional investment or versatile multi-use home. Moments from Cardiff’s beaches, renowned surf spots, and vibrant local amenities, this property is a rare opportunity to own a flexible, income-producing jewel in one of Southern California’s most desirable coastal towns.