For sale Multi-Family Home

Listed Oct 19, 2026

$2,798,000 Est. $18,506/mo

2326 Oxford Avenue

  • 3

    Beds

  • 3

    Baths

  • 2,157

    Sq ft

The story

The first thing you notice is the ocean. The second is just how much of it you can see! Perched above the Cardiff coastline, this distinctive tri-level home captures a sweeping panorama of the Pacific from the moment you walk through the front door. The main living level makes the most of its remarkable setting. A vaulted great room wrapped in windows & French doors opens to an ocean-view terrace, while the kitchen is open to and overlooks the great room. A gas cooktop, double wall ovens, panel-front Sub-Zero refrigerator, farmhouse sink & granite counters add function & character, with custom built-ins bringing warmth to the room. One level down, the primary suite feels like its own retreat, with a private terrace draped in flowering vines & a beautifully appointed bath with a deep soaking tub, walk-in glass shower with mosaic pebble floor, & double vanity. Even the tucked-away reading nook looks out to the Pacific. The lower level adds another dimension to the home, with two bedrooms, a full bath, its own entrance, a full laundry room, garage access and a secluded walled courtyard garden. Its separation from the main living areas creates unusual flexibility for guests, extended family, work-from-home space or simply additional bedrooms. The street-level garage has been converted into a versatile finished space that can function as an optional 4th bedroom, home office, studio or flex space. A garage remains on the lower level, with the option to retain the current configuration or convert the upper space back to a garage. Distinctive, versatile, and unmistakably Cardiff.

Facts & features

Home type

Multi-Family Home

Year built

1993

Floors

3

Price per sq ft

$1,297

Parking

2-car garage

Included features

  • Fireplace

    Yes

  • Heating

    Forced Air, Natural Gas

  • Appliances

    Built In Range, Dishwasher, Gas Cooktop, Disposal, Gas Range, Refrigerator

Mortgage calculator

Estimated monthly payment

$18,506 /mo

7% rate · 30-yr fixed · 20% down

  • Principal & interest $14,892
  • Property tax $2,798
  • Insurance $816

Includes principal, interest, taxes & insurance.

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Listing Broker

Coldwell Banker Realty

Broker Name

Coldwell Banker Realty

Agent

Eva Meier

Location

Encinitas CA 92024