[UCGal]

It’s not even a fresh listing… It’s been on the MLS since last May. You’d think the realtor might have noticed that…

[UCGal]

[quote=legallyblue]I think FSD changed his guess after you posted the number. Look at the time of his entry:

Submitted by FormerSanDiegan on January 17, 2012 – 11:14am.
$ 253,897.13[/quote]
Interesting that someone created a login identity just to point this out.

[UCGal]

I jumped to the conclusion because of the lack of gas meter and the lack of cooking range. Based on my experience and what I observed with a friend’s rental.

But you’re right – the rules are different for different jurisdictions. I’m very familiar with San Diego’s rules for accessory buildings, but a lot less familiar with other places… other than some of the ways they differ from SD.

We were surprised that we couldn’t get the gas meter till the city issued occupancy. But that is apparently done to prevent folks from occupying early.

[UCGal]

It sounds like it’s not zoned as a secondary unit. Usually the enforcement in this situation is to remove the range (already done) and possibly make you remove any shower/tub. Friends were renting a house in north park and another friend was renting the converted garage… the previous tenants were law students who stopped paying rent and called in the violation just to be punks (per my friend). The $&&$ hit the fan while their friend was in the unpermitted conversion.

When we built our companion unit, turning our SFR into a multifamily, getting the gas meter was the very last thing done… happening only after occupancy had been given by the city of San Diego. That’s why you don’t have the meter.

Theoretically, you might be able to legally convert it to a multifamily if you meet the kafka-esque requirements (assuming you are city of San Diego)

[UCGal]

Just an FYI on property taxes and liens.

Many are public record and viewable from internet databases.

For property taxes – if you know the parcel # (apn #) you can look up any property and see if it is in property tax default, whether taxes have been paid for the current year, etc.

https://www.sdctreastax.com/ebpp3/%28j4bfpty1bhwiyfbnuyytrazc%29/Start.aspx

Put the APN (with no dashes) into the Bill # field.

For liens, it gets a little trickier. You can see if the previous owners have liens against them. Get their names from the property tax record. Hopefully the name is unusual enough. Then plug the names into the grand deed recorder database.

http://arcc.co.san-diego.ca.us/services/grantorgrantee/search.aspx

In order to see the contents of the liens/deeds you need to go to the county building to look it up (for free) or order it (and pay).

Also – if the property is held by a corporation, llc, partnership – you can sometimes see the agent or owner of the partnership through the CA Sec. of State’s website.

http://kepler.sos.ca.gov/

Some of this info may not be availble if the county has already recorded you as the owner, you can’t easily retrieve the previous owners name from the prop tax database.

[UCGal]

fwiw, HOA’s aren’t the only way to get some restrictions on your property. My home in PA was deed restricted by the original subdivision covenant (circa 1890). I was not allowed to have a commercial stable, have a manure pit, run a tannery, or run a boarding house. That last one actually caused me some concern because I did have a roommate paying me rent. Not sure if neighbors were in violation of the covenant when they bought commercial steer manure to augment their veggie garden.

There was no enforcement arm that I’m aware of though.

I have the old covenant docs… They weren’t disclosed to me till settlement so I had to do some speed reading to make sure I could live with the conditions. I’ll have to dig them up and re-read them.

[UCGal]

[quote=CONCHO]Being rich and having a large income are two different things.[/quote]

[quote=pri_dk]Try explaining that to the IRS.[/quote]

I’m with Concho on this. If you have wealth – you can spend that… and typically your “income” is taxed as capital gains.

Vs someone who has a high income – but spends it all – it’s taxed as income (higher rates).

A person can inherit wealth (not earned by them) and earn modest income. They are wealthy, but they are not a top earner. And if they are a poor investor, they may not generate any income off of the wealth.

Look at Mitt Romney – he’s rich by all standards (270M?) But apparently pays taxes at about a 15% rate. And he claims to be unemployed… although his 370k/year in speaking fees is not insignificant.

Someone making $500k/year in salary pays a higher tax rate than someone earning $500k off of investments. There is a difference.

High income and wealth may overlap, but they are not the same thing.

[UCGal]

Obama talked a good lefty talk. But lets look at what he’s done.

The bush tax cuts have continues. These favor the wealthy (through the low cap gains rate vs the income tax rates) more than the income generated through wages.

Wall street banks have been bailed out.

Financial reform was largely lipstick on a pig. Glass Steagal was NOT reinstated.

Even HCR – it was a total giveaway to big pharma and insurance companies. Making it more expensive for working folks than ever. No real cost containment of any kind.

And that’s just the financial stuff. Don’t get me started on the wars, gitmo, etc.

I have a hard time hearing that Obama is a lefty that supports wealth redistribution from the rich to the poor. His policies seem to continue the wealth redistribution from the middle class to the rich.

Don’t focus on unions and public employees… Look at the middle class as a whole. We’re all screwed and there’s no candidate that will change that.

[UCGal]

Since Monticello67 is a new user it might be useful for him to know that SD Realtor and his partners purchased several homes at trustee sale. He knows what he’s talking about.

Trustee sales offer an opportunity to purchase properties at discount rates for all cash. That said – you need to proceed with caution. I’ve heard stories of naive buyers purchasing at a foreclosure of the 2nd trust deed… and still having to make the first trust deed whole. It requires a lot of due diligence. I followed the trustee auctions for several zip codes for almost 2 years… But never pulled the trigger.

[UCGal]

[quote=ocrenter][quote=sdduuuude]A great place if you telecommute. Looks like it will take you a week just to get to a freeway.[/quote]

what kind of a car are you driving to take a week to travel 3 miles?[/quote]

Yeah and it’s 10 minutes to La Jolla Shores. LOL.

almost 6 miles to 15, 6+ miles to 56, and 9 miles to I5. That’s using roads. Crows may have different mileage.

[UCGal]

[quote=UCGal]
Current faves: Layer Cake (primitivo/zin.)
and a Sicilian red that I don’t remember the name of (Lemura?)

[/quote]
I looked in my wine cupboard… it’s Tasca d’Almerita Lamuri Nero d’Avola…. I really like this wine. Red label, Lamuri is in big letters,

[UCGal]

Congrats FSD.

I still want to know (from sdr) if it’s typical for potential clients to show private financial info to a prospective realtor. Not just talking in rough numbers, but showing paystubs or year end pay statements. That still strikes me as very odd.

For those still debating pension stuff. (although not limited to public pensions). I will recommend a book I’ve mentioned before.

“Retirement Heist: How Companies Plunder and Profit from the Nest Eggs of American Workers” by Ellen Shultz – a former writer for the WSJ.

Confession I only read about half of it before I had to return it to the library (and put in on reserve again so I can finish reading it.)

Every time you hear some corporation like GE mentioning that Pension obligations cost them 13 cents a share, remind yourself that they did NOT mention when pension over funding added 14 cents a share to the bottom line in previous years. It’s a book full of data about how the message was managed to make us hate pensions as evil and how companies manipulated the pensions, actuarial data, projected earnings and liabilities to whatever ends they wanted at the time. Piggs like data, right? This book is full of data… that may not fit your anti-pension mind sets.

[UCGal]

I use the following criteria –
– Is it under (or not much above) $10 at costco?
– Does it have one of those wine spectator wine advocate placards giving it a 90+ rating?
– Is it a type I like? (I don’t really like Malbecs, Reislings, and a few others. Just a preference thing. Tend to stick to cabs, chards, and sauv blanc.)

If it doesn’t fit a category I know, like a lot of the foreign wines, I’ll try a bottle… if I like it, I buy more the next week.

Current faves: Layer Cake (primitivo/zin.)
and a Sicilian red that I don’t remember the name of (Lemura?)

fwiw – drinking red sicilian wine is good for your cholesterol.
http://www.ncbi.nlm.nih.gov/pubmed/15182065

[UCGal]

Asking price is just that… asking.
I’ve seen a lot of very delusional asking prices.

For those interested in previous listing…

http://www.sdlookup.com/MLS-080045818-5610_Shasta_Daisy_Trl_San_Diego_CA_92130

[UCGal]

[quote=temeculaguy]

For every hoa horror story you may hear, I can tell you about the giant peeing baby fountain in a neighbors front yard, or the baby blue house, or the raiders sheets as curtains for four years, the year round christmas lights, the 9 cars out front, the corn instead of lawn, the urban chickens, the smell of curry in the air 24 hours a day, the monster trucks, boats and dunebuggies on the lawn, the yard appliances, the perimeter fence at a tract house, the weekly garage sales, the unmowed lawns, the trash cans permanently at the curb, the constant rv storage and I’m sure a few other things that you can avoid for the bargain price of $30-$90 a month (what my various hoa’s have been over the years at different houses). We all live together now, we accept each other, but we gotta have a few basic rules. Just pay it, I’ve found it to be some of the best money I’ve ever spent. When I was young I avoided hoa’s cause I was cheap, now it’s a requirement.
[/quote]

You say all that like it’s a bad thing?

As someone who’s trying to talk her husband into urban chickens, and has flowering groundcover instead of lawn in the front, I don’t want someone telling me how to landscape or what (LEGAL) pets I can have. (no worries to my UC brethren, I won’t get a rooster.) I have neighbors with RV’s and boats in their side yards. I’m fine with that. We have big enough lots to accomodate it. They can’t legally park boats/rv’s/cars on the street for more than 3 days – so that’s not an issue.

As far as the trash cans – you are legally limited to 24 hours before/after trash pick up… so again, that’s covered without an HOA.

For me, HOA’s that provide swimming, tennis, etc… that’s giving a value. But an HOA that imposes rules and doesn’t give me benefit other than making the neighborhood cookie cutter… I’ll leave that for those that prefer a more Stepford neighborhood.

I’m not sure how racist neighborhood restrictions equate to HOAs… La Jolla was famous for not allowing Jews to purchase. Obviously, that got eliminated.
http://en.wikipedia.org/wiki/La_Jolla#Antisemitism

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