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406 Carmel Creeper Pl1 / 40 · Click to zoom

About this home

Welcome to coastal living at its finest in the gated Saxony community of Encinitas! This exceptional end-unit townhome features extensive high-end upgrades throughout, anchored by a fully reimagined 2026 kitchen boasting brand-new white oak-finished cabinets with a lower corner Lazy Susan and a push-to-open servo motor garbage drawer, a new floating island with generous drawer storage, new countertops and backsplash, a new window, sink, faucet, reverse osmosis filtration system, and all-new microwave, dishwasher, and garbage disposal. The interior flows effortlessly over new 2026 herringbone-pattern flooring on the main level and 2023 flooring upstairs, connected by a stylish custom carpet runner on the staircase and illuminated by upgraded dimmable lighting throughout. Comfortable and functional, the layout offers dual primary suites with built-in storage cabinets, enhanced convenience from a new hot water circulating pump for quick hot water to the kitchen and upstairs shower, a brand-new 2026 outdoor AC unit, a private landscaped patio, an attached 1 car garage + 1 assigned parking space, and access to resort-style community amenities including a pool, hot tub, and private dog park-all just minutes from Moonlight Beach, local dining, and top-rated schools.

🏠 HomeFax

Public-record history for this property.

🏷 Last sold$690,000 · Jul 2020

MLS #260025375

🔥 Risk & insurability

🔥 Fire hazard zoneNot in a State-designated fire hazard zone
🌊 FEMA flood zoneZone X — minimal/moderate flood risk

FEMA National Flood Hazard Layer · CAL FIRE 2024 FHSZ

🧮 Affordability calculator

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Interest rate %
Loan term (yrs)
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Estimated total monthly payment
$5,820
Principal & interest$4,698
Property tax$852
Home insurance$271
Down payment: $185,800Loan: $743,200

Estimates only — not a loan offer. Actual rates, taxes, and insurance vary. Talk with your agent and a lender for exact figures.