I second the idea of looking at Carlsbad, Encinitas, Carmel Valley, etc. Also, LaCosta is a nice area in between Carlsbad and Encinitas…. you may pay some HOA’s, but generally low compared to an $800K mortgage (~$100/Mo HOAs, not too bad). Good schools, good safe areas.
LaCosta and Encinitas will give you very easy access to the 5, which gets you to Pendelton and Miramar easily… MCRD is 30-35 minutes from LaCosta. Trust me, you would much rather commute to CP, Miramar or MCRD from the 5, than from the 15… not even close how much of a difference that commute is.
Here’s one place in Encinitas in your ball park with a low HOA and no Mello Roos.
