Paying off Mello Roos

[ocrenter]

I’m in complete agreement with ER in regard to paying off the MR. Unless you are a seasoned investor, how many of us has the ability to generate 7% return on our investment year after year for 30 years? Yet that’s exactly what you are doing when you pay off the MR. Instead, a lot of people I know are committing to a 20 year solar panel lease at a rate of 7%.

How many people actually sold homes with years of high interest obligation to solar leasing companies? Yet all of the solar companies advertise about the increased home value like gospel. What about the MR? Nobody dares to even say you’ll break even on the appraisal value. But seriously, put up a listing with the opening: “owner paid off entire MR, saving you $6-10k a year” and that’s not going get a buyer’s attention???

The MR payoff is an absolute no brainer.

[Essbee]

[quote=earlyretirement]
FYI. Anyone that lives in the area and wants to attend the meeting, let me know. It’s Tuesday, September 24 at 6:30 PM at Santaluz. PM me and I can get you on the list to attend as it’s open to the public. Santaluz is guard gated but I can get you on the list if you want to attend this meeting about the Assisted Living Center.
[/quote]

ER, can you give a little more info? What is the location of this Assisted Living facility? Is it behind the gates of Santaluz, or elsewhere? The reason I ask is because I am wondering if it is the ongoing development on the north side of Carmel Valley Road, between the Black Mountain Community Park with the baseball fields, and the turnoff for Ivy Gate? Someone told me that they had heard that it might be developed as senior living, but it seems like an odd location and it looks like they are building small homesites rather than configuring the land to accommodate a large footprint building.

I am very interested in local issues but my free time is almost nil, unfortunately.

[earlyretirement]

[quote=Essbee][quote=earlyretirement]
FYI. Anyone that lives in the area and wants to attend the meeting, let me know. It’s Tuesday, September 24 at 6:30 PM at Santaluz. PM me and I can get you on the list to attend as it’s open to the public. Santaluz is guard gated but I can get you on the list if you want to attend this meeting about the Assisted Living Center.
[/quote]

ER, can you give a little more info? What is the location of this Assisted Living facility? Is it behind the gates of Santaluz, or elsewhere? The reason I ask is because I am wondering if it is the ongoing development on the north side of Carmel Valley Road, between the Black Mountain Community Park with the baseball fields, and the turnoff for Ivy Gate? Someone told me that they had heard that it might be developed as senior living, but it seems like an odd location and it looks like they are building small homesites rather than configuring the land to accommodate a large footprint building.

I am very interested in local issues but my free time is almost nil, unfortunately.[/quote]

No, it’s NOT within the gates of Santaluz. They would NEVER allow that plus there is NO zoning for that. It’s on that grassy area next to Willow Grove Elementary School. The land isn’t being utilized now.

You can see some more information here below (which is cut and pasted verbatim from correspondence that was sent to me).
__________________________________________

SANTALUZ ASSISTED LIVING AND MEMORY CARE FACILITY PROJECT DESCRIPTION

• Our Goal is to provide a warm, inviting and safe place for our Seniors with disabilities to live a full life, including the wonderful intergenerational program opportunities with the adjacent schools.

• Assisted Living and Memory Care facilities are centrally located to provide care for our love ones, usually within two to five miles from their immediate families’ homes. Our project will provide this important service to the community and believe it will be an asset to all of the surrounding neighborhoods.

• The design is for a one and two-story project providing 32 units of Assisted Living and 32 units of Memory Care with a maximum of 74 Beds. The building layout has been designed to take advantage of the “L” shaped lot, provide good setbacks, and have a minimal impact on the surrounding neighborhood.

• This Senior Housing use itself is a very low impact one, with a quiet user group and minimal traffic that will be generated.

• There are extensive Guidelines for the design of homes in the Santaluz neighborhood. Although they are not expressly applicable to this Assisted Living and Memory Care project, we are very concerned with designing a project that is compatible with the surrounding environment, and becomes an integral part of the community including lush and beautiful landscaping.

• This project is to construct a new 71,630 SF facility providing Assisted Living and Memory Care located in the Santaluz development of San Diego. The building site is a vacant lot that has never been utilized, and is part of the Black Mountain Ranch Subarea Plan.

• There are no existing trees or vegetation on the lot, with the exception of field grass. The surrounding streets have all been improved, and utilities are available in the street.

• The site is currently zoned for Institutional Senior/Recreational Use and we are applying for a Conditional Use Permit and a Community Plan Amendment as part of our entitlements. The site is 3.289 acres and with a maximum FAR (Floor area ratio) of .50 and that translates to a maximum square footage of 71,634. Our design stays within the approved FAR parameters.

• Of the many design options available for homes in the Santaluz neighborhood, we have chosen the “Tuscany Farmhouse” style to emulate for this project. The form and massing of this style emphasizes an informal and additive nature, which we believe is ideal to help minimize the mass and scale of the building.

We completed massingstudies as a part of the design process to help determine how to best achieve a residential scale. The North wing of the building steps down to one story. At the West and South wings, the second floor plate typically steps back to break the line of the exterior façade and then utilizes smaller scale shed roofs that bring the building down to human scale.

We have also been careful to work with the roof design in order to avoid a continuous ridgeline as well as keeping the height below 30 feet in compliance with the Design Guidelines and consistent with the heights of the homes in the surrounding neighborhoods. The design breaks the roof into several separate components while also providing roof wells that screen the mechanical equipment.

• The building is designed with a North Wing, West Wing, and South Wing that all converge at the central commons area where the main entrance is also located. The North Wing is a one-story component which houses 17 Memory Care units. The first floor of the West Wing also houses another 15 Memory Care units. The remainder of the building provides 32 units of Assisted Living and a wide range of common areas including congregate dining rooms. No kitchen facilities will be provided within the resident units. This building will be staffed 24 hours a day.

• Each of the Memory Care neighborhoods has access to a special gated outdoor Courtyard space, designed specifically to securely serve this population. The courtyard spaces will have walking paths and special amenities the residents can enjoy.

• Our site plan provides 44 parking spaces, all located in the rear of the building and behind walls at the Via Fiesta Entry. The City of San Diego parking standards are not specific for the Senior Housing uses we propose for this project; however, it does meet the minimum standard of 43 units as approved by City Transportation on February 27, 2012.

For more information please contact Joe Taylor at [email protected]

_____________________________________________

Let me know if you have any questions and I’ll try to get in a few of your questions. I have a few of my own.

[earlyretirement]

[quote=ocrenter]I’m in complete agreement with ER in regard to paying off the MR. Unless you are a seasoned investor, how many of us has the ability to generate 7% return on our investment year after year for 30 years? Yet that’s exactly what you are doing when you pay off the MR. Instead, a lot of people I know are committing to a 20 year solar panel lease at a rate of 7%.

How many people actually sold homes with years of high interest obligation to solar leasing companies? Yet all of the solar companies advertise about the increased home value like gospel. What about the MR? Nobody dares to even say you’ll break even on the appraisal value. But seriously, put up a listing with the opening: “owner paid off entire MR, saving you $6-10k a year” and that’s not going get a buyer’s attention???

The MR payoff is an absolute no brainer.[/quote]

I totally agree with you OCR. And even if you are a seasoned investor that consistently makes over 7% ROI each year, most of the times that ROI isn’t guaranteed like it is here in this situation.

I’ve been fortunate enough that I have made well over 7% a year ROI since I started investing many years ago. But typically I’d say I got to where I am today doing prudent things like this. And the ROI could well be over 7% a year ROI if these CFD’s get mysteriously extended past their original end dates.

I also TOTALLY agree with you about the power of having a listing saying, “NO MELLO ROOS taxes. Owner FOREVER paid them off’.

You’d definitely get attention. Even in a soft sales market vs. a healthier one like now, I believe you would (a) get back every dollar you pre-paid in MR taxes, (b) sell your house much quicker vs. someone that has MR taxes, (c) attract a MUCH larger audience of potential buyers.

We’re still getting unsolicited offers to purchase our house. We got one offer a few short months ago that was over $350,000 + more than I paid for the house a few short years ago. They already did their due diligence and could see we paid off our CFD. (At the time only one was showing as paid off). The city used to designate the CFD’s being prepaid by $0.00.

Now I find it interesting that they just totally remove the CFD line off your bill once you pay it off. Before it would say CFD #4 ($0.000) and now both of them are totally gone from the property tax bill that I got last week.

Heck, we probably could have asked for even more money from the family that sent in the letter wanting to buy our house but I bought the house to live in and not as an investment property. I don’t really care what home prices do in the short-term yo-yoing up and down. But I am happy not to have to see/pay that CFD again.

Also, OCR, the one thing we left out is that there are those types that say they don’t need to pre-pay their CFD because they can take that money and leverage it and make far more. LOL. We all have seen those types. And yes, sure you can make more with various investments out there. But those other investments have some risk to them. It’s not guaranteed.

And typically over the past few decades what I see in this type of situation is people will leverage the money and either lose it. Or they will do well and leverage it again and THEN lose it. So there is that too.

[earlyretirement]

Also, on that Assisted Living Center issue, I’ve received a few PM’s and emails. I really would only like to focus that towards people that actually live in the immediate area and might be affected (positively or negatively) with the Center being built there.

People that live in Santaluz, Verrazzano, Santa Monica, and maybe Del Sur.

I really think it only makes sense for people in the immediate surrounding communities that might be affected some how.

[bearishgurl]

[quote=earlyretirement] . . . I also TOTALLY agree with you about the power of having a listing saying, “NO MELLO ROOS taxes. Owner FOREVER paid them off’.

You’d definitely get attention. Even in a soft sales market vs. a healthier one like now, I believe you would (a) get back every dollar you pre-paid in MR taxes, (b) sell your house much quicker vs. someone that has MR taxes, (c) attract a MUCH larger audience of potential buyers. . . [/quote]

ER, I believe what you say here is possible … but your “shopping” audience would consist of those buyers who are already shopping in a MR area and thus it would be people who were already willing to pay MR or else they wouldn’t be contacting you, IMO.

Buyers who know SD County very, very well (mostly Native and longtime San Diegans) can smell CFD(s) from miles away and do not even shop in them or even view property in them (either online or in person). Especially from a zip code which is nearly all exclusively or all exclusively CFDs, (as yours is). Additionally, if a local agent/broker represents a buyer in a $1M+ range who gives them the edict, “Please do NOT show me any properties with Mello-Roos,” then they will NOT even be considering showing any properties to them which are located in 92127.

You would be surprised at how many SD County buyers in all price ranges there are out there who will NOT accept Mello-Roos unless perhaps it will be retired in <1 year (early nineties construction w/20 yr bonds). Many will not accept it under any circumstances and I am one of those people.

Thus, I feel your potential "buyer pool" will likely be fairly new residents of the county (<10 years) or relocatees, if you choose to sell, who will stumble upon your listing in their search and be pleasantly surprised that you have retired your MR 🙂

I'm not saying your neighborhood is not worth buying into. I'm just saying that well-heeled buyers in your price category have many, many excellent choices for a residence in this county which are NOT located in CFDs (OR HOA's) and this will never change.

I DO believe you can easily recover your ~$61K prepaid-MR cash outlay upon sale ... even now ... from the "right" buyer.

[earlyretirement]

[quote=bearishgurl][quote=earlyretirement] . . . I also TOTALLY agree with you about the power of having a listing saying, “NO MELLO ROOS taxes. Owner FOREVER paid them off’.

You’d definitely get attention. Even in a soft sales market vs. a healthier one like now, I believe you would (a) get back every dollar you pre-paid in MR taxes, (b) sell your house much quicker vs. someone that has MR taxes, (c) attract a MUCH larger audience of potential buyers. . . [/quote]

ER, I believe what you say here is possible … but your “shopping” audience would consist of those buyers who are already shopping in a MR area and thus it would be people who were already willing to pay MR or else they wouldn’t be contacting you, IMO.

Buyers who know SD County very, very well (mostly Native and longtime San Diegans) can smell CFD(s) from miles away and do not even shop in them or even view property in them (either online or in person). Especially from a zip code which is nearly all exclusively or all exclusively CFDs, (as yours is). Additionally, if a local agent/broker represents a buyer in a $1M+ range who gives them the edict, “Please do NOT show me any properties with Mello-Roos,” then they will NOT even be considering showing any properties to them which are located in 92127.

You would be surprised at how many SD County buyers in all price ranges there are out there who will NOT accept Mello-Roos unless perhaps it will be retired in <1 year (early nineties construction w/20 yr bonds). Many will not accept it under any circumstances and I am one of those people.

Thus, I feel your potential "buyer pool" will likely be fairly new residents of the county (<10 years) or relocatees, if you choose to sell, who will stumble upon your listing in their search and be pleasantly surprised that you have retired your MR 🙂

I'm not saying your neighborhood is not worth buying into. I'm just saying that well-heeled buyers in your price category have many, many excellent choices for a residence in this county which are NOT located in CFDs (OR HOA's) and this will never change.

I DO believe you can easily recover your ~$61K prepaid-MR cash outlay upon sale ... even now ... from the "right" buyer.[/quote]

Hey BG,

Quite honestly I disagree. I think any family with young kids even if they tell their realtor they don't want MR areas, can easily be directed to a property that might have their CFD forever paid off.

San Diego really is kind of like a village even though it's a bigger city. I can't tell you what a small world it is here. I'd think any realtor worth their salt could pretty easily get the word out on a property that has it's CFD paid off throughout the area and would be exempt from them.

Sure, I understand that many people don't want to buy in a CFD area and might tell their realtor that. But I definitely think that it wouldn't be difficult to get the word out amongst realtors that a property is available with no CFD and it would stand out.

I already know my neighborhood and others are worth buying into. Because I'm still getting unsolicited offers to purchase my house from families (bypassing realtors). For hundreds of thousands of dollars more than I paid for it a few short years ago.

I know you're not a fan of the area out here and call it "Lizardland" but the reality is that the lifestyle out here is probably amongst the best in the world. The weather is incredible and the schools are amazing. The quality of people living in the area I've found is extremely wonderful. People that are peers and professionals that I have things in common with and people that share the same outlook on life, raising kids, treating people, etc. I've only been here a few years and made some true lifelong friends already in this area. Just incredible people.

Plus, some of these individual communities (take Santaluz) for example are so unique to me. That I really think that very few areas around the world can compare to it from a pure lifestyle and raising kids aspect.

I've been to hundreds upon hundreds of cities around the world. And to me this is about as good as it gets with this area for raising kids.

Oh and BG, the last few new buyers that I have met lately are the type you mentioned. They have lived here pretty much all their lives in San Diego or in Southern California. And yes several of them said they didn't plan to buy in a CFD area but were just drawn to the area/community and felt CFD was ultimately worth it to raise their kids here.

This "buyer pool" that has recently bought many of them are from the area and ultimately saw that they had to pony up and pay it to have the lifestyle and raise their kids in this kind of environment.

[ocrenter]

I do recall a family friend who bragged about how they purchased a home that had the MR paid off. And they justified the home’s higher price tag based on the potential savings. They were quite excited about how their house was “special” compared to everyone else in the neighborhood.

We do not live in the days of MLS books and Thomas guide anymore. It is very easy to do a quick search and find homes without MR.

[bearishgurl]

ER, your entire post is about “kid raising” (and quality of neighbors) “Kid-raising buyers” are only a fraction of homebuyers (not sure the percentage). MR aside, not EVERYONE wants to live in a very expensive HOA. Not EVERYONE wants to be so far from dtn SD (kids or no kids). And good-quality neighbors can actually be found at all price points!

Sure, your listing agent/broker can “get the word out” or make comments in the listing, but the truth is, people who won’t consider MR don’t shop in those areas and thus wouldn’t even consider your zip code because of it. Thus, they would likely never find out that you paid it off. In any case, they had some other location in mind for themselves.

In addition, buyers in coastal CA counties are very “location-oriented.” For example, if they have had their sights set on Coronado for a long time, they aren’t suddenly going to want to look in inland north county. If local buyers have always dreamed of an ocean view and now feel they have the equity and savings to have one, they aren’t suddenly going to be drawn to your area. If they need a workshop and want the freedom to park vehicles, etc, on a large lot, they won’t consider a property inside an HOA. If all their relatives live in Bonita, they’ll buy an estate-type property there, instead.

You would be shocked at how many people are actually paying for monthly boat/rv storage and want very much for their next property to enable them to park those things at home. Or are paying monthly to stall a horse that they ideally want to keep at home.

I don’t particularly consider your area “lizardland.” I would consider more far flung areas such as “Stonebridge” lizardland 🙂

I do think its wonderful that you are getting unsolicited offers for your property. These are very likely from people who have always wanted to live inside those gates or in areas surrounding you. They AREN’T from people who have race car(s) to park or need to live near their yacht, slipped on Shelter Island.

Whichever kind of buyer has the most money is anyone’s guess. In other words, not ALL buyers in the $1M+ range want or need what you have.

[bearishgurl]

[quote=ocrenter]I do recall a family friend who bragged about how they purchased a home that had the MR paid off. And they justified the home’s higher price tag based on the potential savings. They were quite excited about how their house was “special” compared to everyone else in the neighborhood.

We do not live in the days of MLS books and Thomas guide anymore. It is very easy to do a quick search and find homes without MR.[/quote]

ocrenter, you and I know how to pull up a random tax bill and read it correctly but the average buyer does not.

And prospective buyers aren’t going to comb tax bills of listings within CFDs to determine (on the off-chance) if any of them have paid off MR. And even if they happen to find a property with paid-off MR, it may not meet their needs. I’m sure you’re aware that that is not how buyers shop for property. In any case, the tax bill screen could lag an owner’s possible prepaid MR by 1-12 months.

Buyers WHO WILL NOT ACCEPT MR do NOT shop in those areas which have it, unless they (or their agent) is certain that the MR is soon to be retired.

[ocrenter]

[quote=bearishgurl][quote=ocrenter]I do recall a family friend who bragged about how they purchased a home that had the MR paid off. And they justified the home’s higher price tag based on the potential savings. They were quite excited about how their house was “special” compared to everyone else in the neighborhood.

We do not live in the days of MLS books and Thomas guide anymore. It is very easy to do a quick search and find homes without MR.[/quote]

ocrenter, you and I know how to pull up a random tax bill and read it correctly but the average buyer does not.

And prospective buyers aren’t going to comb tax bills of listings within CFDs to determine (on the off-chance) if any of them have paid off MR. And even if they happen to find a property with paid-off MR, it may not meet their needs. I’m sure you’re aware that that is not how buyers shop for property. In any case, the tax bill screen could lag an owner’s possible prepaid MR by 1-12 months.

Buyers WHO WILL NOT ACCEPT MR do NOT shop in those areas which have it, unless they (or their agent) is certain that the MR is soon to be retired.[/quote]

you do not need to CAP things, I read that the first time you wrote this.

buyers will tell their agents, their agents can set the parameters to search the MLS, and they’ll see there’s no MR.

[all]

[quote=Essbee]
ER, can you give a little more info? What is the location of this Assisted Living facility? Is it behind the gates of Santaluz, or elsewhere? The reason I ask is because I am wondering if it is the ongoing development on the north side of Carmel Valley Road, between the Black Mountain Community Park with the baseball fields, and the turnoff for Ivy Gate? Someone told me that they had heard that it might be developed as senior living, but it seems like an odd location and it looks like they are building small homesites rather than configuring the land to accommodate a large footprint building.

I am very interested in local issues but my free time is almost nil, unfortunately.[/quote]

Black Mountain Ranch (Santaluz + Del Sur) is supposed to have 300-room resort. The plan was to have two golf courses, one in Santaluz and one (public) in Del Sur. The resort was supposed to be adjacent to the north course. The Del Sur golf course was scrapped few years ago (commercial sqft was increased instead), but the resort is still on. That’s one possibility. The other is another high-end subdivision similar to Ivy Gate.

[earlyretirement]

[quote=all][quote=Essbee]
ER, can you give a little more info? What is the location of this Assisted Living facility? Is it behind the gates of Santaluz, or elsewhere? The reason I ask is because I am wondering if it is the ongoing development on the north side of Carmel Valley Road, between the Black Mountain Community Park with the baseball fields, and the turnoff for Ivy Gate? Someone told me that they had heard that it might be developed as senior living, but it seems like an odd location and it looks like they are building small homesites rather than configuring the land to accommodate a large footprint building.

I am very interested in local issues but my free time is almost nil, unfortunately.[/quote]

Black Mountain Ranch (Santaluz + Del Sur) is supposed to have 300-room resort. The plan was to have two golf courses, one in Santaluz and one (public) in Del Sur. The resort was supposed to be adjacent to the north course. The Del Sur golf course was scrapped few years ago (commercial sqft was increased instead), but the resort is still on. That’s one possibility. The other is another high-end subdivision similar to Ivy Gate.[/quote]

I don’t see this ever happening. Santaluz’s Golf course is really nice. I don’t see anything like that ever coming and Del Sur will never see a golf course. Not sure about the resort but I don’t see that happening either.

Yes, BG much of my post involved raising kids because more and more that is the profile of people buying in my area. The developers of my development NEVER imagined that there would be so many families with young kids moving here. But there is a reason for that.

This entire area is wonderful for raising kids. And yes I’ve talked to many people that were originally looking at other areas but ultimately they decided and are deciding to buy in this area for the lifestyle play that they could never get in some of these other areas you are talking about.

Sure, not everyone wants to be so far from downtown SD. But honesty speaking, many people have NO desire or need to be close to downtown SD. After all, there is no real job center downtown. Many of the job centers are out around here vs. downtown. I enjoy going downtown once in a while but I’d have no need or desire to live down there.

Which begs the question…what’s so desirable in living close to downtown? Especially if you have kids.

And VERY FEW people will ever really get an “ocean view” in the area. So I think that’s a relatively moot point to me as well. And I’m not sure who these people you speak of of “race cars and yachts” but that isn’t the profile of the typical buyer in San Diego.

I mention quality of life raising kids because that is what I think is important with families moving to the area. The families I know buying in the area certainly aren’t race cars or yacht owners. They are just hardworking professionals that want to send their kids to excellent schools, live in a safe and beautiful environment amongst their peers and be content with where they live.

And nope, many of the new buyers here never even heard of the development before buying. Many like me initially were going to buy in other areas but some of them found it by accident, some of them from their realtors and some on various blogs.

BG, you post some great information and you’re a wealth of information but IMHO (and please don’t take offense to this) but I think much of what you write is not based on objectivity. And based on what you are writing, it’s clear you don’t personally know people buying in this area or talked to new families that are moving to this area and hearing why they moved to the area.

Again, I hope you don’t take offense to this but you just don’t seem to be objective in many instances. Or you mention things that aren’t relevant like ocean views, yachts or race cars?

[UCGal]

BG –
Once again you assume that because it doesn’t fit your personal wishes/lifestyle/demographic – it’s invalid.

Yes – you’re a baby boomer looking towards retirement. Yes – you do a lot of work downtown. Yes – you’ve only got one child left at home – soon to fly the nest. So for you – southbay is a good fit for your needs. That doesn’t make it the ideal spot for others, with different needs.

Not everyone buying houses is a baby boomer nearing retirement. In fact, I would assume that many home buyers are folks with minor age children, or planning on having children in the future. Most baby boomers have already purchased their primary home… although some might be looking for retirement homes to downsize to.

BG – you need to remember there are job centers outside of downtown. Sorrento Valley/sorrento mesa is a huge employment center. Probably more folks working there than downtown. (Based on traffic I’m pretty certain this is true.) Carlsbad has quite a few businesses/industries. The I-15 corridor from Scripps Ranch up through Rancho Bernardo has a number of large employers. Folks who work in these areas would not be well served by having a commute to the southbay.

True – the legal stuff is downtown because of the courthouse and jails – and that’s the field you’re in. But there are other industries in San Diego county – so living close to downtown might not do anything for your commute if you work in Carlsbad.

Please try to remember that not all home buyers have the same needs/wants that you do. I get frustrated by the way you attack folks who have different views.

[bearishgurl]

ER, it’s just that your ardor for SantaLuz is a bit “over the top” at times. As you can surmise, kids actually really and truly “grow up” in ALL areas of the county. They really and truly have a safe clean environment and parents with actual REAL MONEY, even wealthy parents. Their public schools really and truly are FINE. Yes, even if they don’t attend schools within the (now heavily indebted) PUSD.

No, the typical buyer in SD does not have race cars, horses or yachts. But there are many more of these types of buyers shopping in the over $1M range, which is the price range you would seek if you decided to sell your residence. Buyers everywhere are at all “stations in life.” They don’t necessarily have babies, toddlers or school-age children living with them. As you must know, some buyers have never had children and don’t want any. The nuclear family with children is but a fraction of RE buyers (don’t really know the exact percentage but would guess that it declines in each successive higher-priced tier and is also smaller for older areas).

There are many, many properties in the county of SD which are on 1/2 to 1-1/2 AC comparably valued to your residence which serve various types of buyers’ needs better than yours (vehicle pkg, workshop, citrus grove, ocean view, historical, proximity to SD, etc).

There’s nothing wrong with where you live but it is not the be all and end all for EVERYONE. It is the right place for those buyers who seek a tightly controlled environment. And there’s nothing wrong with that, either 🙂

[Author]

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