If it were affordable, I'd say Santa Cruz, California fits your description. But the housing prices there (well, last I looked, which is now 6 years ago) are insane. There is surfing as far north as San Francisco, but the rip tides are dangerous and the water is pretty cold (Humboldt Current, ya know). As you go southwards, if you stay north of Santa Barbara and keep you distance from the occasional nuclear power plant, there are some nice communities with hills to east of them and surf to the west. Some, but not all of these, are affordable. From Santa Barbara southwards gets pretty expensive again.