[UCGal]

I’ve been hesitant to join in this discussion. I think some people who post here know… I’m one of those evil heirs who has my parents prop 13 rate on my home. I paid my father market value for the home (in 2003).

The tax savings are only partial. As many of you know we built a handicap accessible granny flat for my inlaws to live in. That new dwelling is taxed at the market value of the completion… well, not really since they deducted for the parts that were specifically addressing the wheelchair accessiblity – we got deductions for the bathroom and the grading/paving for the wheelchair ramps.

We pay more in property tax for the 700sf granny flat than for our home.

In our case my dad had a choice of transferring his prop 13 to his new home, or letting us have it. On the books we kept the rate with this home. Off the books we pooled the two property tax bills and split them with my dad. That was fair in our minds. Seniors who want to downsize have the option of transferring their rate to their new home as long as it is of lesser value and the new home is in a CA county that offers this. (not all do.)

Would we have bought this house without the prop 13 pass through… I’m not sure. The house is in a great neighborhood, great location… but it was expensive. To be fair to my siblings, we paid market rate. (The equity was part of their inheritance also). The lot was also attractive because it was large enough to qualify for building a companion unit… Something new construction didn’t offer. But the tax rate was the deciding factor. We’re extremely conservative, financially and are concerned about fixed costs going forward. We might have relocated back out of this expensive area if the numbers hadn’t worked out.

I live in a neighborhood, heck even my block that has several prop13 heirs. In all but one case – the parent didn’t die – the surviving parent sold the home to the child when downsizing. I’ve talked to 2 of my neighbors who indicate this was a deciding factor for buying from their parents since they already had an established prop13 rate and to start over at new market rate would have broken their budget.

Whether this is fair or not… I can see where people would find it unfair. Would I turn it down? Obviously no.

The fact is – the Prop 13, 60, and 90 all applied when I purchased. The tax rate was a significant factor in deciding to purchase. Any additions impact the tax rate at current value at time of occupancy/inspection sign off.

[UCGal]

I’ve been hesitant to join in this discussion. I think some people who post here know… I’m one of those evil heirs who has my parents prop 13 rate on my home. I paid my father market value for the home (in 2003).

The tax savings are only partial. As many of you know we built a handicap accessible granny flat for my inlaws to live in. That new dwelling is taxed at the market value of the completion… well, not really since they deducted for the parts that were specifically addressing the wheelchair accessiblity – we got deductions for the bathroom and the grading/paving for the wheelchair ramps.

We pay more in property tax for the 700sf granny flat than for our home.

In our case my dad had a choice of transferring his prop 13 to his new home, or letting us have it. On the books we kept the rate with this home. Off the books we pooled the two property tax bills and split them with my dad. That was fair in our minds. Seniors who want to downsize have the option of transferring their rate to their new home as long as it is of lesser value and the new home is in a CA county that offers this. (not all do.)

Would we have bought this house without the prop 13 pass through… I’m not sure. The house is in a great neighborhood, great location… but it was expensive. To be fair to my siblings, we paid market rate. (The equity was part of their inheritance also). The lot was also attractive because it was large enough to qualify for building a companion unit… Something new construction didn’t offer. But the tax rate was the deciding factor. We’re extremely conservative, financially and are concerned about fixed costs going forward. We might have relocated back out of this expensive area if the numbers hadn’t worked out.

I live in a neighborhood, heck even my block that has several prop13 heirs. In all but one case – the parent didn’t die – the surviving parent sold the home to the child when downsizing. I’ve talked to 2 of my neighbors who indicate this was a deciding factor for buying from their parents since they already had an established prop13 rate and to start over at new market rate would have broken their budget.

Whether this is fair or not… I can see where people would find it unfair. Would I turn it down? Obviously no.

The fact is – the Prop 13, 60, and 90 all applied when I purchased. The tax rate was a significant factor in deciding to purchase. Any additions impact the tax rate at current value at time of occupancy/inspection sign off.

[UCGal]

I’ve been hesitant to join in this discussion. I think some people who post here know… I’m one of those evil heirs who has my parents prop 13 rate on my home. I paid my father market value for the home (in 2003).

The tax savings are only partial. As many of you know we built a handicap accessible granny flat for my inlaws to live in. That new dwelling is taxed at the market value of the completion… well, not really since they deducted for the parts that were specifically addressing the wheelchair accessiblity – we got deductions for the bathroom and the grading/paving for the wheelchair ramps.

We pay more in property tax for the 700sf granny flat than for our home.

In our case my dad had a choice of transferring his prop 13 to his new home, or letting us have it. On the books we kept the rate with this home. Off the books we pooled the two property tax bills and split them with my dad. That was fair in our minds. Seniors who want to downsize have the option of transferring their rate to their new home as long as it is of lesser value and the new home is in a CA county that offers this. (not all do.)

Would we have bought this house without the prop 13 pass through… I’m not sure. The house is in a great neighborhood, great location… but it was expensive. To be fair to my siblings, we paid market rate. (The equity was part of their inheritance also). The lot was also attractive because it was large enough to qualify for building a companion unit… Something new construction didn’t offer. But the tax rate was the deciding factor. We’re extremely conservative, financially and are concerned about fixed costs going forward. We might have relocated back out of this expensive area if the numbers hadn’t worked out.

I live in a neighborhood, heck even my block that has several prop13 heirs. In all but one case – the parent didn’t die – the surviving parent sold the home to the child when downsizing. I’ve talked to 2 of my neighbors who indicate this was a deciding factor for buying from their parents since they already had an established prop13 rate and to start over at new market rate would have broken their budget.

Whether this is fair or not… I can see where people would find it unfair. Would I turn it down? Obviously no.

The fact is – the Prop 13, 60, and 90 all applied when I purchased. The tax rate was a significant factor in deciding to purchase. Any additions impact the tax rate at current value at time of occupancy/inspection sign off.

[UCGal]

[quote=Scarlett]Hmmm…The 4636 Ramsay property (1600 sf 3 bdr) is (still or back?) on the market at under 500K now. Funny, my realtor friend told me a month ago that it just went into escrow and that it was a probate sale subject to overbidwith lots of equity. I wonder what happened? I’d like to see more 1 story houses, to see how the square footage & floorplan will fit us.
http://www.sdlookup.com/MLS-100061785-4636_Ramsay_Ave_San_Diego_CA_92122%5B/quote%5D

It went pending on 12/10, then popped back on the market on 12/28… then the listing expired, and was relisted (same MLS)on 12/29.

I think I mentioned, I have friends who lived a block away (Finsen) and LOVED that neighborhood and their neighbors. My son has a couple of friends over there – so it’s a neighborhood full of kids. You just need to figure out if its the right house for your family.

[UCGal]

[quote=Scarlett]Hmmm…The 4636 Ramsay property (1600 sf 3 bdr) is (still or back?) on the market at under 500K now. Funny, my realtor friend told me a month ago that it just went into escrow and that it was a probate sale subject to overbidwith lots of equity. I wonder what happened? I’d like to see more 1 story houses, to see how the square footage & floorplan will fit us.
http://www.sdlookup.com/MLS-100061785-4636_Ramsay_Ave_San_Diego_CA_92122%5B/quote%5D

It went pending on 12/10, then popped back on the market on 12/28… then the listing expired, and was relisted (same MLS)on 12/29.

I think I mentioned, I have friends who lived a block away (Finsen) and LOVED that neighborhood and their neighbors. My son has a couple of friends over there – so it’s a neighborhood full of kids. You just need to figure out if its the right house for your family.

[UCGal]

[quote=Scarlett]Hmmm…The 4636 Ramsay property (1600 sf 3 bdr) is (still or back?) on the market at under 500K now. Funny, my realtor friend told me a month ago that it just went into escrow and that it was a probate sale subject to overbidwith lots of equity. I wonder what happened? I’d like to see more 1 story houses, to see how the square footage & floorplan will fit us.
http://www.sdlookup.com/MLS-100061785-4636_Ramsay_Ave_San_Diego_CA_92122%5B/quote%5D

It went pending on 12/10, then popped back on the market on 12/28… then the listing expired, and was relisted (same MLS)on 12/29.

I think I mentioned, I have friends who lived a block away (Finsen) and LOVED that neighborhood and their neighbors. My son has a couple of friends over there – so it’s a neighborhood full of kids. You just need to figure out if its the right house for your family.

[UCGal]

[quote=Scarlett]Hmmm…The 4636 Ramsay property (1600 sf 3 bdr) is (still or back?) on the market at under 500K now. Funny, my realtor friend told me a month ago that it just went into escrow and that it was a probate sale subject to overbidwith lots of equity. I wonder what happened? I’d like to see more 1 story houses, to see how the square footage & floorplan will fit us.
http://www.sdlookup.com/MLS-100061785-4636_Ramsay_Ave_San_Diego_CA_92122%5B/quote%5D

It went pending on 12/10, then popped back on the market on 12/28… then the listing expired, and was relisted (same MLS)on 12/29.

I think I mentioned, I have friends who lived a block away (Finsen) and LOVED that neighborhood and their neighbors. My son has a couple of friends over there – so it’s a neighborhood full of kids. You just need to figure out if its the right house for your family.

[UCGal]

[quote=Scarlett]Hmmm…The 4636 Ramsay property (1600 sf 3 bdr) is (still or back?) on the market at under 500K now. Funny, my realtor friend told me a month ago that it just went into escrow and that it was a probate sale subject to overbidwith lots of equity. I wonder what happened? I’d like to see more 1 story houses, to see how the square footage & floorplan will fit us.
http://www.sdlookup.com/MLS-100061785-4636_Ramsay_Ave_San_Diego_CA_92122%5B/quote%5D

It went pending on 12/10, then popped back on the market on 12/28… then the listing expired, and was relisted (same MLS)on 12/29.

I think I mentioned, I have friends who lived a block away (Finsen) and LOVED that neighborhood and their neighbors. My son has a couple of friends over there – so it’s a neighborhood full of kids. You just need to figure out if its the right house for your family.

[UCGal]

Just came across another one…

http://www.sdlookup.com/Property-6627C84D-4111_Mt_Bross_Ave_San_Diego_CA_92111#114884

This time it looks like it sold on the steps… and if I’m reading it right – they reduced the final sales price by $3k… but was it a brand new sale, or was the previous buyer told tough luck?

[UCGal]

Just came across another one…

http://www.sdlookup.com/Property-6627C84D-4111_Mt_Bross_Ave_San_Diego_CA_92111#114884

This time it looks like it sold on the steps… and if I’m reading it right – they reduced the final sales price by $3k… but was it a brand new sale, or was the previous buyer told tough luck?

[UCGal]

Just came across another one…

http://www.sdlookup.com/Property-6627C84D-4111_Mt_Bross_Ave_San_Diego_CA_92111#114884

This time it looks like it sold on the steps… and if I’m reading it right – they reduced the final sales price by $3k… but was it a brand new sale, or was the previous buyer told tough luck?

[UCGal]

Just came across another one…

http://www.sdlookup.com/Property-6627C84D-4111_Mt_Bross_Ave_San_Diego_CA_92111#114884

This time it looks like it sold on the steps… and if I’m reading it right – they reduced the final sales price by $3k… but was it a brand new sale, or was the previous buyer told tough luck?

[UCGal]

Just came across another one…

http://www.sdlookup.com/Property-6627C84D-4111_Mt_Bross_Ave_San_Diego_CA_92111#114884

This time it looks like it sold on the steps… and if I’m reading it right – they reduced the final sales price by $3k… but was it a brand new sale, or was the previous buyer told tough luck?

[UCGal]

Closed network systems like Kaiser and open networks systems like Aetna, Pacificare, etc are all limited by the primary care doctor you choose.

Kaiser lets you change your primary doctor. If you think your doctor is misdiagnosing you or a family member or not pursuing an appropriate course, change doctors, go to urgent care (if appropriate) etc. Most people are sheep when it comes to medical care… and doctor’s are human.

You have to advocate for your care with ANY doctor or insurance. For example, I have a paranoia about my cancer risks. (I’ve mentioned previously – 3 of 4 grandparents had cancer, dad had 2 separate malignancies, mom had ovarian, my brother had 2 separate malignancies, I have 3 cousins and 2 have had cancer). But I have a small family so I don’t meet the statistical requirements to fall into high risk. (Not enough aunts/cousins to sample from.) But – I talked Kaiser into increasing my mammograms, doing annual u/s’s to look for ovarian cancer, and doing ca125 tests to see if it ever goes up. These are all fairly low cost, but not typical. I had to ask for them, but when I laid out my case, it was agreed to immediately.

ocr’s point about people blaming a private practice doctor vs a system is accurate. I’ve heard similar complaints about the VA system. My father in law gets his care at the VA and I have to say – it’s a LOT better than the care he was getting through a doctor under blue cross/blue shield. But he’s got people advocating for him here. My husband and I go with them to his appointments, ask questions, do research.

[UCGal]

Closed network systems like Kaiser and open networks systems like Aetna, Pacificare, etc are all limited by the primary care doctor you choose.

Kaiser lets you change your primary doctor. If you think your doctor is misdiagnosing you or a family member or not pursuing an appropriate course, change doctors, go to urgent care (if appropriate) etc. Most people are sheep when it comes to medical care… and doctor’s are human.

You have to advocate for your care with ANY doctor or insurance. For example, I have a paranoia about my cancer risks. (I’ve mentioned previously – 3 of 4 grandparents had cancer, dad had 2 separate malignancies, mom had ovarian, my brother had 2 separate malignancies, I have 3 cousins and 2 have had cancer). But I have a small family so I don’t meet the statistical requirements to fall into high risk. (Not enough aunts/cousins to sample from.) But – I talked Kaiser into increasing my mammograms, doing annual u/s’s to look for ovarian cancer, and doing ca125 tests to see if it ever goes up. These are all fairly low cost, but not typical. I had to ask for them, but when I laid out my case, it was agreed to immediately.

ocr’s point about people blaming a private practice doctor vs a system is accurate. I’ve heard similar complaints about the VA system. My father in law gets his care at the VA and I have to say – it’s a LOT better than the care he was getting through a doctor under blue cross/blue shield. But he’s got people advocating for him here. My husband and I go with them to his appointments, ask questions, do research.

[Author]

Posts