[quote=earlyretirement]We bought in nearby Santaluz and it’s not fun paying $5,500+ a year in Mello Roos taxes. .[/quote]

The entire 92127 zip code is high MR area, so I have confidence that the schools will be well supported by MR money, so the school will be better and better although they are new now. One fundenmental reason for good schools in 92130 is the high property tax and thus good funding to schools.

Wrt. $5,500 MR/year. Have you considered to pay it off? I guess the pre-payment amound is ~$60K. If you want to stay in the home for > 5 years, then it might be a wise decision.