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Cardiff-by-the-Sea, usually referred to as Cardiff, is a beach community located in Encinitas, bordering Solana Beach to the south in San Diego County, California. The Pacific Ocean is to the west of Cardiff, Encinitas on its east and north, and a beach and lagoon on its south. Many streets in Cardiff bear names this English-born landowner grew up with in his native UK. The names "Birmingham", "Oxford", "Chesterfield" and "Manchester" are major streets in this city. Cardiff is also home to a few well-known surf spots, such as Swami's and Cardiff Reef.

Cardiff Reef ("The Reef") is a popular surf spot in Cardiff that produces waves both professional and novice surfers enjoy year round. Surfing at The Reef has progressed from just a few surfers in the 1950s to become one of the most popular surfing spots in San Diego County. Cardiff Reef and nearby surf spot, Pipes, are famous for their smooth and consistent wave shape.

When the tide is low, a flat rock reef is revealed that extends 50 yards from shore. Exploring these tide pools is a popular activity for visitors of Cardiff.