Personally, I have to agree with NJ, in, that, with your price point, I would definitely check out Carmel Valley. We lived there for several years, before moving to RSF, and still own rentals there.
You have a lot to consider–schools, commute times, Mello-Roos, HOA fees–etc., etc.–but with all of the info that’s been shared, I’m sure you’ll make a good decision.
