I get a list of NOD every week from my title rep. 1/3rd are in Zips starting with 91XXX. Most of these are in Chulajuana. I would estimate that 50% are in the garden spots of the county like Ramona, Escondido, Oceanside and El Cajon. The vast majority of the NOD’s thus far are from people that never should have bought homes in the first place.There is still very little activity in the nicer parts of the county.