I would suggest for you a “fire rebuild” situated on a larger lot in Scripps, which, hopefully still has one or two old trees that didn’t burn. It will be a 2004-2007 built home but will list it’s original build date in the listing IF the property didn’t completely burn to the ground in 2003.
Then you will have the “best of both worlds” without the HOA (or only annual HOA dues) and no MR. Check availability and cost of fire coverage from previous owner or before making an offer.
