Luxe Coastal Team

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Luxe Coastal Team Luxe Coastal Team at eXp Realty, North County Coastal San Diego's Luxury Living Authorities and trusted partners for luxury buyers, sellers, and investors.

DRE #0118256, DRE #01145723 Luxe Coastal Team, brokered by eXp Realty, represents buyers and sellers throughout San Diego's North County Coastal luxury market. John Finley, Broker Associate and Global Luxury Specialist, Lic #01431182, and Elizabeth Papalia, Luxury Sales REALTOR®, Negotiations Certified, Lic #01145723, bring more than 20 years in real estate and 40 years living locally, combining deep market insight with calm, skilled negotiation to deliver smooth closings. Focus areas include Del Mar, Carmel Valley, Solana Beach, Cardiff by the Sea, Rancho Santa Fe, Encinitas, and Carlsbad. As Global Lifestyle Partners, they guide clients through every stage of a purchase or sale. Considering a move or preparing to list? Reach out for a conversation about your goals.

We have been in this business long enough to have heard just about everything. And we say this with complete respect: so...
10/19/2026

We have been in this business long enough to have heard just about everything. And we say this with complete respect: some of it makes us cringe. ✨

The no-inspection buyer. The price it high and see seller. The client who swears they are not in a rush and then sends listings at midnight.

We have seen every version of this, and we get it. Buying and selling luxury real estate in North County Coastal San Diego is one of the biggest financial decisions you will ever make. Emotions run high. Opinions run higher.

That is exactly why having the right team in your corner matters. Not to judge you, but to guide you past the decisions that cost people time, money, and opportunity.

We are always in your corner. Even when we are gently talking you out of skipping the inspection.

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

Three Residences and Two Private Acres Await in Rancho Santa Fe 🏡Join us this weekend, or reach out to arrange a private...
10/16/2026

Three Residences and Two Private Acres Await in Rancho Santa Fe 🏡

Join us this weekend, or reach out to arrange a private tour.
Open House: Saturday, October 17th, 11 AM to 2 PM | Sunday, October 18th, 12 PM to 3 PM

Arrive by way of a sweeping circular motor court, and the pace of life shifts. Set on approximately 2 private acres in Rancho Santa Fe, this Hacienda-style compound brings together a gracious main residence, an attached caretaker’s apartment, and a fully permitted guest house, all framed by estuary views.

The main home centers on a living room crowned by a chapel ceiling of exposed dark wood beams, anchored by an oversized tiled fireplace. The primary suite opens to its own private courtyard, with a spa-inspired bath brightened by a skylight. Across the grounds, the guest house lives as a home of its own, with vaulted ceilings, travertine floors, and a covered patio Jacuzzi made for evenings under the stars.

Offered at $5,500,000
4580 El Mirlo, Rancho Santa Fe, CA 92091
7 Beds | 6 Baths | 5,337 Sq Ft | 2 Acres | 3-Car + 2-Car Garages

Why You Will Love It
Main residence: 4 beds, office, 3 baths, approx. 3,170 sq ft
Newly remodeled caretaker’s apartment, approx. 456 sq ft
Permitted guest house with private driveway, approx. 1,711 sq ft
Zoning may allow an added ADU and barn (buyer to verify)
Fresh paint, leased solar, and two Tesla chargers
Close to Encinitas shopping, dining, and the beach

Explore the full listing: https://4580ElMirlo.com

Room to live, room to host, and room to grow 🔑

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

Fall is one of the most underestimated windows to sell a luxury home in North County Coastal San Diego. ✨Most sellers as...
10/14/2026

Fall is one of the most underestimated windows to sell a luxury home in North County Coastal San Diego. ✨

Most sellers assume spring is the only time worth considering. But in the luxury space, fall tells a very different story. The buyers who are active in September and October are not casual browsers. They are serious, motivated, and often working against a timeline, whether that is a relocation, a year-end financial decision, or simply the conclusion of a long and deliberate search.

Right now the conditions are particularly compelling. Inventory remains tight, new listings have actually declined compared to this time last year, and the $2M to $5M tier is firmly in seller's market territory. Mortgage rates are also showing signs of gradual easing, which is bringing additional buyers off the sidelines.

Combine that with the fact that North County Coastal luxury demand continues to outperform the broader San Diego market, and fall 2026 is shaping up to be a genuinely strong window for sellers who are ready.

If you have been waiting for the right moment, this is a conversation worth having right now.

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

If you are selling a luxury home in North County Coastal San Diego right now, here is something worth knowing. 📊68% of l...
10/12/2026

If you are selling a luxury home in North County Coastal San Diego right now, here is something worth knowing. 📊

68% of luxury buyers purchasing homes at $2 million and above are paying cash in 2026. And for properties above $3 million, that number climbs to 85% among international buyers.

What does that mean for sellers? It means fewer financing contingencies, cleaner transactions, and buyers who are not waiting on a rate environment to improve before they act. The buyers in this market are financially insulated, lifestyle-driven, and when they find the right property, they move with conviction.

This is one of the reasons why well-priced, well-presented luxury homes in communities like Del Mar, Encinitas, Rancho Santa Fe, and Solana Beach continue to generate serious interest even as the broader market recalibrates.

Cash buyers expect precision. The right pricing, the right presentation, and the right representation to get the deal to the finish line cleanly.

That is exactly what we bring to every transaction. If you are considering selling, let's talk about how to position your home for this buyer.

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

10/09/2026

Five reasons to be outside on the coast this October. 🍂

La Jolla Art and W**e Festival, Oct. 10-11: Artists, tastings, and live music along Girard Avenue.

Tour de Cove, Oct. 25: A morning of cycling at La Jolla Cove benefiting the Challenged Athletes Foundation.

Encinitas Safe Trick-or-Treat, Oct. 31: Shops along Coast Highway 101, live music in The Lumberyard Courtyard, 5 to 8pm.

Carlsbad Dia de los Mu***os, Oct. 31: A traditional ofrenda and community gathering at Leo Carrillo Ranch Historic Park.

Carlsbad Pumpkin Patch, through Nov. 8: The Carlsbad Strawberry Company on Cannon Road, open past Halloween.

This is the rhythm of life in North County Coastal. If you want it year round, let’s talk. 📍

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

The broader San Diego housing conversation and the North County Coastal luxury market are telling two very different sto...
10/07/2026

The broader San Diego housing conversation and the North County Coastal luxury market are telling two very different stories right now. While the general market is finding its footing, the demand for luxury properties north of the city is clustering in a very specific and compelling way.

Buyers at this level are not shopping the same way as the broader market. They are less sensitive to interest rate fluctuations, more driven by lifestyle and legacy, and many of them are ready to move with cash. What they are looking for is a property that is well positioned, well presented, and in the right community.

North County Coastal checks every one of those boxes. The coastal lifestyle, the privacy, the schools, the scarcity of available land, and the quality of communities like Del Mar, Rancho Santa Fe, Encinitas, Solana Beach, and Carlsbad continue to draw serious buyers who are ready to act decisively.

If you are wondering what this means for your property or your search, we are happy to give you a ground-level read on exactly where things stand right now.

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified
760-390-1438 | Lic #01145723 eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

In this market, opportunity doesn't stop at buying and selling. As active participants in North County Coastal San Diego...
10/05/2026

In this market, opportunity doesn't stop at buying and selling. As active participants in North County Coastal San Diego's real estate landscape, we've built a portfolio that goes well beyond traditional representation.

Over the years, we've been directly involved in a wide range of real estate projects, including:
✔️ Renovations and flips
✔️ Property repositioning
✔️ Multi-family investments
✔️ Ground-up and value-add opportunities
✔️ Land entitlement and development projects

Strong relationships with investors, builders, contractors, and industry professionals have allowed us to identify and act on opportunities that most buyers and sellers never see. A select group of clients has chosen to invest alongside us in these projects, and the results have been mutually rewarding.

If you've ever been curious about what it looks like to invest in real estate beyond traditional purchases, or simply want to learn more about the types of projects we're involved in, we'd welcome the conversation. Opportunities like these don't always make it to the open market, and staying connected is the best way to stay informed.

Reach out directly. We're always happy to talk.

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

Neptune Avenue is Pending in Escrow! We are proud to have represented our sellers at 1660-62 Neptune Avenue in Encinitas...
10/02/2026

Neptune Avenue is Pending in Escrow!

We are proud to have represented our sellers at 1660-62 Neptune Avenue in Encinitas and look forward to seeing this one through to the close. Congratulations to everyone involved. ✨

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

I am honored to share that I have earned certification with the eXp Sports & Entertainment Division, an exclusive divisi...
09/30/2026

I am honored to share that I have earned certification with the eXp Sports & Entertainment Division, an exclusive division within eXp Luxury. ✨

This designation represents a specialized level of service for athletes, entertainers, and high-profile clients, where privacy, discretion, and careful coordination matter as much as the property itself. Through this global network, John and I collaborate with athlete advisors, entertainment attorneys, business managers, and wealth planners to deliver a seamless, confidential experience from the first conversation through closing.

Whether a client is relocating for a new season, investing in a coastal retreat, or seeking a private estate in Rancho Santa Fe, Del Mar, or La Jolla, Luxe Coastal Team is ready to represent them throughout North County Coastal San Diego.

If you represent high-profile talent and are looking for a trusted real estate partner, I would welcome the conversation. 🔑

Elizabeth Papalia, Luxury Sales REALTOR®
Negotiations Certified | eXp Sports & Entertainment Certified
760-390-1438 | Lic #01145723

John Finley, Broker Associate
Global Luxury Specialist
760 - 815 - 2266 | Lic #01431182

eXp Express Offers Certified, Relocation Certified & eXp ICON Agents

Address

619 S. Vulcan Suite 200
Encinitas, CA
92024

Telephone

+17603901438

Website

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