Cardiff Community, usually referred to as Cardiff, is a beach community located between Encinitas and Solana Beach 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. With a population of under 12,000, Cardiff-by-the-Sea operates as part of the city of Encinitas, but has its own ZIP code (92007), unlike the other communities that comprise parts of Encinitas: Leucadia and Olivenhain. In 1911, this former farming community began to develop Cardiff, when developer J. Frank Cullen broke ground to build new homes. It is reported by the Cardiff Chamber of Commerce that it was Frank Cullen’s wife, a native of Cardiff, Wales, who persuaded him to name the community, “Cardiff”. Many streets in Cardiff bear names this English-born landowner grew up with in his native UK. The names of, “Birmingham”, “Oxford”, “Chesterfield” and “Manchester” are major streets in this city. According to the 2010 Census, Cardiff-by-the-Sea is 71% white, 21% Hispanic, 3% Asian, 1% African-American and 4% Other Cardiff is also home to a few well-known surf spots, such as Swami’s and Cardiff Reef.