[quote=sd_owner]I have a few more questions:
1. What is the effective tax rate for a typical newer single family home (built recently)?[/quote]

I’m not a resident yet, but I can tell you what I will be paying, which is 1.52% for a 1997 sfr. I believe that’s common for newer construction as well. When I was house hunting, I don’t recall seeing a rate lower than about 1.4%. On the plus side, HOA fees are usually much lower than similar places in SD county (e.g., $50 in Temecula and $100-150 in San Diego, for the same amenities), which doesn’t make sense to me. Keep in mind that landlords can deduct HOA fees.

[quote]2. Approximately how many days do you need air-conditioner on in the summer?[/quote]

The owner of the property we’re buying went all out to combat the heat, with double-paned and tinted windows, patio cover, keeping the blinds and windows closed during the day, etc. He claims his electric bill is about $70 most of the year, creeping into the low $100’s if there’s a really hot month at the end of summer.