Twelve homes were constructed in 1949 at the top of a sea cliff along Esplanade Drive in the City of Pacifica, located on the northern coast of San Mateo County, California. The rear yards of those properties were bounded by an approximately 20-meter (70-foot) high cliff that has retreated episodically at an average rate of 0.5 to 0.6 meter (1.5 to 2 feet) per year over the past 146 years. During the heavy storms of the 1997/1998 El Niño winter, a severe episode of cliff retreat undermined seven homes and threatened three others. All ten homes were condemned and demolished by the City of Pacifica. In this study we analyze geologic, tide, wave, rainfall and wind data in an attempt to determine the causes of this most recent erosion event. We identify the following possible contributory causes of the cliff retreat: 1) wave-induced undercutting of the cliff landward of an old revetment, 2) reduction in beach width over time, 3) reduction in cliff-face stability owing to infiltration from heavy rains, 4) erosion of the cliff face by groundwater piping, and 5) wind-induced erosion of loose dune sand at the top of the cliff. While these factors may explain the retreat of the cliff below the twelve homes along Esplanade Drive, the question remains as to why other geologically similar sites in the region were not severely eroded during the 1997/1998 El Niño winter.