[temeculaguy]

They do take the hoa into account when qualifying for a loan, just like insurance and taxes.

I’ve had pools and the energy and maintenance costs can exceed $300 a month, not to mention replacement and repair of equipment so I’d pay $100 a month for a nice community pool. They are like boats and motorhomes, everyone wants one except those who have had them and know thier true cost and the amount of time you use them. I’m not fond of gates and that is where the high hoa costs come in, most gated communities cost $100 a month just for the gate. It isn’t the gate that costs money it’s the fact that the municipality won’t repave or maintain the streets, sweep them or pay for the street lights if a community is gated because the public doesn’t have access. I’ve seen gated communities cost over $100 with no ammenities and ungated ones with a pool and a gym cost $60. With attached homes it’s different because it usually includes more such as water, fire insurance, trash, gardener, and a fund to replace fences, paint and replace roofs, etc. so when you add it up it’s almost a wash.

Marion, the tax rate/mello roos is probably more important for resale than HOA. When looking at two or three competing houses and one has $50 more per month in hoa but the other has $2000 more per year in taxes, most buyers will pay the hoa and get the pool, you get nothing for the extra taxes. Up here 1.5 tax rate is about average but some of the tax items on the bill are of a fixed value so the rate can fluxuate based on the selling price so with two equally priced homes, check the actual tax bill difference, add in the hoa and make an informed decision.

And along the theme of Alex’s comment, it is worth a great deal of money to me to not live next door to the guy with year round Christmas lights.

[temeculaguy]

They do take the hoa into account when qualifying for a loan, just like insurance and taxes.

I’ve had pools and the energy and maintenance costs can exceed $300 a month, not to mention replacement and repair of equipment so I’d pay $100 a month for a nice community pool. They are like boats and motorhomes, everyone wants one except those who have had them and know thier true cost and the amount of time you use them. I’m not fond of gates and that is where the high hoa costs come in, most gated communities cost $100 a month just for the gate. It isn’t the gate that costs money it’s the fact that the municipality won’t repave or maintain the streets, sweep them or pay for the street lights if a community is gated because the public doesn’t have access. I’ve seen gated communities cost over $100 with no ammenities and ungated ones with a pool and a gym cost $60. With attached homes it’s different because it usually includes more such as water, fire insurance, trash, gardener, and a fund to replace fences, paint and replace roofs, etc. so when you add it up it’s almost a wash.

Marion, the tax rate/mello roos is probably more important for resale than HOA. When looking at two or three competing houses and one has $50 more per month in hoa but the other has $2000 more per year in taxes, most buyers will pay the hoa and get the pool, you get nothing for the extra taxes. Up here 1.5 tax rate is about average but some of the tax items on the bill are of a fixed value so the rate can fluxuate based on the selling price so with two equally priced homes, check the actual tax bill difference, add in the hoa and make an informed decision.

And along the theme of Alex’s comment, it is worth a great deal of money to me to not live next door to the guy with year round Christmas lights.

[temeculaguy]

They do take the hoa into account when qualifying for a loan, just like insurance and taxes.

I’ve had pools and the energy and maintenance costs can exceed $300 a month, not to mention replacement and repair of equipment so I’d pay $100 a month for a nice community pool. They are like boats and motorhomes, everyone wants one except those who have had them and know thier true cost and the amount of time you use them. I’m not fond of gates and that is where the high hoa costs come in, most gated communities cost $100 a month just for the gate. It isn’t the gate that costs money it’s the fact that the municipality won’t repave or maintain the streets, sweep them or pay for the street lights if a community is gated because the public doesn’t have access. I’ve seen gated communities cost over $100 with no ammenities and ungated ones with a pool and a gym cost $60. With attached homes it’s different because it usually includes more such as water, fire insurance, trash, gardener, and a fund to replace fences, paint and replace roofs, etc. so when you add it up it’s almost a wash.

Marion, the tax rate/mello roos is probably more important for resale than HOA. When looking at two or three competing houses and one has $50 more per month in hoa but the other has $2000 more per year in taxes, most buyers will pay the hoa and get the pool, you get nothing for the extra taxes. Up here 1.5 tax rate is about average but some of the tax items on the bill are of a fixed value so the rate can fluxuate based on the selling price so with two equally priced homes, check the actual tax bill difference, add in the hoa and make an informed decision.

And along the theme of Alex’s comment, it is worth a great deal of money to me to not live next door to the guy with year round Christmas lights.

[temeculaguy]

They do take the hoa into account when qualifying for a loan, just like insurance and taxes.

I’ve had pools and the energy and maintenance costs can exceed $300 a month, not to mention replacement and repair of equipment so I’d pay $100 a month for a nice community pool. They are like boats and motorhomes, everyone wants one except those who have had them and know thier true cost and the amount of time you use them. I’m not fond of gates and that is where the high hoa costs come in, most gated communities cost $100 a month just for the gate. It isn’t the gate that costs money it’s the fact that the municipality won’t repave or maintain the streets, sweep them or pay for the street lights if a community is gated because the public doesn’t have access. I’ve seen gated communities cost over $100 with no ammenities and ungated ones with a pool and a gym cost $60. With attached homes it’s different because it usually includes more such as water, fire insurance, trash, gardener, and a fund to replace fences, paint and replace roofs, etc. so when you add it up it’s almost a wash.

Marion, the tax rate/mello roos is probably more important for resale than HOA. When looking at two or three competing houses and one has $50 more per month in hoa but the other has $2000 more per year in taxes, most buyers will pay the hoa and get the pool, you get nothing for the extra taxes. Up here 1.5 tax rate is about average but some of the tax items on the bill are of a fixed value so the rate can fluxuate based on the selling price so with two equally priced homes, check the actual tax bill difference, add in the hoa and make an informed decision.

And along the theme of Alex’s comment, it is worth a great deal of money to me to not live next door to the guy with year round Christmas lights.

[temeculaguy]

They do take the hoa into account when qualifying for a loan, just like insurance and taxes.

I’ve had pools and the energy and maintenance costs can exceed $300 a month, not to mention replacement and repair of equipment so I’d pay $100 a month for a nice community pool. They are like boats and motorhomes, everyone wants one except those who have had them and know thier true cost and the amount of time you use them. I’m not fond of gates and that is where the high hoa costs come in, most gated communities cost $100 a month just for the gate. It isn’t the gate that costs money it’s the fact that the municipality won’t repave or maintain the streets, sweep them or pay for the street lights if a community is gated because the public doesn’t have access. I’ve seen gated communities cost over $100 with no ammenities and ungated ones with a pool and a gym cost $60. With attached homes it’s different because it usually includes more such as water, fire insurance, trash, gardener, and a fund to replace fences, paint and replace roofs, etc. so when you add it up it’s almost a wash.

Marion, the tax rate/mello roos is probably more important for resale than HOA. When looking at two or three competing houses and one has $50 more per month in hoa but the other has $2000 more per year in taxes, most buyers will pay the hoa and get the pool, you get nothing for the extra taxes. Up here 1.5 tax rate is about average but some of the tax items on the bill are of a fixed value so the rate can fluxuate based on the selling price so with two equally priced homes, check the actual tax bill difference, add in the hoa and make an informed decision.

And along the theme of Alex’s comment, it is worth a great deal of money to me to not live next door to the guy with year round Christmas lights.

[temeculaguy]

Very well done piece, but then again 60 minutes has been doing fairly in depth pieces for a few decades so it’s not suprising. What scares me the most is that a long time ago we used to joke that the time to buy was when the cover of time magazine read “real estate is dead.” In my view the prices have not returned to fundamentals yet, however the folks at time may have already contemplated the cover art for that issue.

[temeculaguy]

Very well done piece, but then again 60 minutes has been doing fairly in depth pieces for a few decades so it’s not suprising. What scares me the most is that a long time ago we used to joke that the time to buy was when the cover of time magazine read “real estate is dead.” In my view the prices have not returned to fundamentals yet, however the folks at time may have already contemplated the cover art for that issue.

[temeculaguy]

Very well done piece, but then again 60 minutes has been doing fairly in depth pieces for a few decades so it’s not suprising. What scares me the most is that a long time ago we used to joke that the time to buy was when the cover of time magazine read “real estate is dead.” In my view the prices have not returned to fundamentals yet, however the folks at time may have already contemplated the cover art for that issue.

[temeculaguy]

Very well done piece, but then again 60 minutes has been doing fairly in depth pieces for a few decades so it’s not suprising. What scares me the most is that a long time ago we used to joke that the time to buy was when the cover of time magazine read “real estate is dead.” In my view the prices have not returned to fundamentals yet, however the folks at time may have already contemplated the cover art for that issue.

[temeculaguy]

Very well done piece, but then again 60 minutes has been doing fairly in depth pieces for a few decades so it’s not suprising. What scares me the most is that a long time ago we used to joke that the time to buy was when the cover of time magazine read “real estate is dead.” In my view the prices have not returned to fundamentals yet, however the folks at time may have already contemplated the cover art for that issue.

[temeculaguy]

O.K. Svelte, you did your homework and your data is good. I wasn’t breaking the property vs violent crime, just total crime and using that number, Ramona usually wins and since it is on the 78 and North of Poway, I always consider it as North County. I like that you included the total crimes, don’t sweat Del Mar, look at the totals (274 prop crimes 26 violent, total of 300), then look at O’side (4,873 and 936), there’s no way you believe that any other town has the tourism percentages that Del Mar has. I looked up their total census population (4,400). The attendance at the racetrack or the fair can more than double the town’s population at any given moment, the beachgoers double it and then some, O’side or the other towns do not have 200,000 tourists at one time but Del Mar can have 8,000, usually more, the fair alone draws 1.2 million over it’s run and the fairgrounds hosts some kind of event 315 days a year with more parking spaces than town residents. The truth is in the real numbers (crimes per sq mile isn’t used very often, the best guage is by population). SO looking at the real numbers, there will be almost 20 violent crimes and 90 property crimes in O’side this week, while Del Mar will have a 50% chance of having 1 or 0 violent crimes and 5 property crimes, I think you will be safer by visiting the beach in Del Mar vs O’side. There is no perfect measure, looking at the totality of things is what matters and for real estate, perception also plays a role. When someone asks about Carlsbad vs O’side or Poway/4-s vs. Esco, the perception and the numbers support what the posters here are saying and thank you for bringing the data, I hate discussing things when people only use their personal experiences or things they’ve seen in the paper, I love the data.

[temeculaguy]

O.K. Svelte, you did your homework and your data is good. I wasn’t breaking the property vs violent crime, just total crime and using that number, Ramona usually wins and since it is on the 78 and North of Poway, I always consider it as North County. I like that you included the total crimes, don’t sweat Del Mar, look at the totals (274 prop crimes 26 violent, total of 300), then look at O’side (4,873 and 936), there’s no way you believe that any other town has the tourism percentages that Del Mar has. I looked up their total census population (4,400). The attendance at the racetrack or the fair can more than double the town’s population at any given moment, the beachgoers double it and then some, O’side or the other towns do not have 200,000 tourists at one time but Del Mar can have 8,000, usually more, the fair alone draws 1.2 million over it’s run and the fairgrounds hosts some kind of event 315 days a year with more parking spaces than town residents. The truth is in the real numbers (crimes per sq mile isn’t used very often, the best guage is by population). SO looking at the real numbers, there will be almost 20 violent crimes and 90 property crimes in O’side this week, while Del Mar will have a 50% chance of having 1 or 0 violent crimes and 5 property crimes, I think you will be safer by visiting the beach in Del Mar vs O’side. There is no perfect measure, looking at the totality of things is what matters and for real estate, perception also plays a role. When someone asks about Carlsbad vs O’side or Poway/4-s vs. Esco, the perception and the numbers support what the posters here are saying and thank you for bringing the data, I hate discussing things when people only use their personal experiences or things they’ve seen in the paper, I love the data.

[temeculaguy]

O.K. Svelte, you did your homework and your data is good. I wasn’t breaking the property vs violent crime, just total crime and using that number, Ramona usually wins and since it is on the 78 and North of Poway, I always consider it as North County. I like that you included the total crimes, don’t sweat Del Mar, look at the totals (274 prop crimes 26 violent, total of 300), then look at O’side (4,873 and 936), there’s no way you believe that any other town has the tourism percentages that Del Mar has. I looked up their total census population (4,400). The attendance at the racetrack or the fair can more than double the town’s population at any given moment, the beachgoers double it and then some, O’side or the other towns do not have 200,000 tourists at one time but Del Mar can have 8,000, usually more, the fair alone draws 1.2 million over it’s run and the fairgrounds hosts some kind of event 315 days a year with more parking spaces than town residents. The truth is in the real numbers (crimes per sq mile isn’t used very often, the best guage is by population). SO looking at the real numbers, there will be almost 20 violent crimes and 90 property crimes in O’side this week, while Del Mar will have a 50% chance of having 1 or 0 violent crimes and 5 property crimes, I think you will be safer by visiting the beach in Del Mar vs O’side. There is no perfect measure, looking at the totality of things is what matters and for real estate, perception also plays a role. When someone asks about Carlsbad vs O’side or Poway/4-s vs. Esco, the perception and the numbers support what the posters here are saying and thank you for bringing the data, I hate discussing things when people only use their personal experiences or things they’ve seen in the paper, I love the data.

[temeculaguy]

O.K. Svelte, you did your homework and your data is good. I wasn’t breaking the property vs violent crime, just total crime and using that number, Ramona usually wins and since it is on the 78 and North of Poway, I always consider it as North County. I like that you included the total crimes, don’t sweat Del Mar, look at the totals (274 prop crimes 26 violent, total of 300), then look at O’side (4,873 and 936), there’s no way you believe that any other town has the tourism percentages that Del Mar has. I looked up their total census population (4,400). The attendance at the racetrack or the fair can more than double the town’s population at any given moment, the beachgoers double it and then some, O’side or the other towns do not have 200,000 tourists at one time but Del Mar can have 8,000, usually more, the fair alone draws 1.2 million over it’s run and the fairgrounds hosts some kind of event 315 days a year with more parking spaces than town residents. The truth is in the real numbers (crimes per sq mile isn’t used very often, the best guage is by population). SO looking at the real numbers, there will be almost 20 violent crimes and 90 property crimes in O’side this week, while Del Mar will have a 50% chance of having 1 or 0 violent crimes and 5 property crimes, I think you will be safer by visiting the beach in Del Mar vs O’side. There is no perfect measure, looking at the totality of things is what matters and for real estate, perception also plays a role. When someone asks about Carlsbad vs O’side or Poway/4-s vs. Esco, the perception and the numbers support what the posters here are saying and thank you for bringing the data, I hate discussing things when people only use their personal experiences or things they’ve seen in the paper, I love the data.

[temeculaguy]

O.K. Svelte, you did your homework and your data is good. I wasn’t breaking the property vs violent crime, just total crime and using that number, Ramona usually wins and since it is on the 78 and North of Poway, I always consider it as North County. I like that you included the total crimes, don’t sweat Del Mar, look at the totals (274 prop crimes 26 violent, total of 300), then look at O’side (4,873 and 936), there’s no way you believe that any other town has the tourism percentages that Del Mar has. I looked up their total census population (4,400). The attendance at the racetrack or the fair can more than double the town’s population at any given moment, the beachgoers double it and then some, O’side or the other towns do not have 200,000 tourists at one time but Del Mar can have 8,000, usually more, the fair alone draws 1.2 million over it’s run and the fairgrounds hosts some kind of event 315 days a year with more parking spaces than town residents. The truth is in the real numbers (crimes per sq mile isn’t used very often, the best guage is by population). SO looking at the real numbers, there will be almost 20 violent crimes and 90 property crimes in O’side this week, while Del Mar will have a 50% chance of having 1 or 0 violent crimes and 5 property crimes, I think you will be safer by visiting the beach in Del Mar vs O’side. There is no perfect measure, looking at the totality of things is what matters and for real estate, perception also plays a role. When someone asks about Carlsbad vs O’side or Poway/4-s vs. Esco, the perception and the numbers support what the posters here are saying and thank you for bringing the data, I hate discussing things when people only use their personal experiences or things they’ve seen in the paper, I love the data.

[Author]

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