San Diego Home Info by Gretchen Pagnotta

Archive for the 'First Time Buyers' Category

Rancho Bernardo: 11217 Florindo Rd

Short sale approved

4+ Bedroom Short Sale Approved at $485,000!

If you are looking for a great home and a great value..look no further!  Buyer just walked which created an opportunity for you!  This is a 5 bedroom, 3 bath home, @2468 sqft with a view and fabulous updates.  The master and 2 bedrooms are on the 1st floor, 2 huge bedrooms, laundry room, bath and a bonus room are on the 2nd level. The yard is private and quiet.  The fabulous Westwood Community Club is available for the entire family to enjoy.  Best part …besides home, property and price…NO MELLO ROOS and a HOA of only $365 per year!

11217 Florindo Road

Lenders approved short sale at $515,000 but you have to hurry on this one!  VIEW: http://www.flashitfirst.com/Gallery/11217_florindo_rd_bt1/

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4 Bedroom with POOL Just Listed in Rancho Bernardo

12666 Pacato Circle South in 92128

 

Seller will entertain offers between $499,900-$524,900, subject to short sale approval by lender.

Gatewood Hills Neighborhood

Kitchen has been updated

High Ceilings and Lots of Light!

Family room has been expanded!

Great Entertainment Backyard

Portable spa conveys

This is the one you have been waiting for…Expanded and updated kitchen / family-room with lovely brick fireplace , multiple built-ins and a ton of space and storage! Thjis home has been updated and features newer vinly wondows, newer interior doors, a pool which was retiled and replastered 3 years ago, solid surface kitchen counters+ more! There is possible RV/boat storage, subject to  CC+R’s on the side yeard. The backyard is entertainment central with a  lovely pool, hot tub, huge patio plus cover and pass thru bar!  Use of Rancho Bernardo Swim & Tennis, unlimited use is $373 yr, 6 visits $238.  Poway Schools!!!  Great floorplan makes this #1 Rancho Bernardo choice.

4 bedrooms, 2400+ square feet, pool in Gatewood Hills Neighborhood

This is a short sale and should be processed fairly quickly.  If you would like to receive more information on short sales listings or bank owned properties please let me know;  GBPagnotta@gmail.com

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Rancho Bernardo Seven Oaks Home Sales

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Rancho Bernardo Has Senior Neighborhoods

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Rancho Bernardo Oaks North: Year to Date Sales

Oaks North Detached Homes Year to Date Closed Sales as of October 2010

Oaks North in Rancho Bernardo

Currently there are 23 DETACHED homes available for sale in Oaks North.  These 2 and 3 bedroom homes range in price from $239,123 to $320,000.  The grid shown here is a list of the Year to Date sales for Oaks North.  The lowest sale was at $340,000, the highest sale was $610,000 and the average sales price was $471,367.
For more information on the wonderful community of Oaks North, please contact me at 760-715-0478.  You can also visit my website for additional information and floor plans, www.SanDiegoHomeInfo.com.

Click on image for larger picture please

Are you wondering what the market is doing in general in Rancho Bernardo? CLICK HERE!

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Santaluz: Haciendas Sur Floorplans

Haciendas Sur by Centex Homes

These homes were built in 2003-2004 and many were sited on impressive lots showcasing golf course views.  The lots are larger than most of the production homes in Santaluz; .40+ acre.  They range from a single story 3200 sqft to a 2 story 3800 sqft.. There were 3 basic floor-plans but different options in room arrangement and planning.  For instance in the plan 1 you could have a casita (bedroom3) that has only an exterior entry or you could have Bedroom 3 with interior access.  Most of the homes have been upgraded from builder standards and many have spas, pools, outdoor kitchens and other features that allow integration of exterior and interior living.All have 3 space garages.As with all the homes in Santaluz they are part of the acclaimed Poway Unified School District.  For current availability and pricing please contact me; GBPagnotta@gmail.com. They do range from @$1.175,000-1.350,000.

For more floor-plans and Santaluz Information CLICK HERE!

Santaluz Haciendas Sur have larger lots

Residence One: 1 story, 2 bedrooms +casita or 3 bedrooms 3217 sqft

Residence 2: Master on first floor, 3552 sqft

Residence 3: Master on 2nd floor, 3703 sqft

 To find the value of your home: Click Here!

RESIDENCE ONE

RESIDENCE THREE

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Santaluz: Davidson Floorplans

Davidson Homes in Santaluz

Lovely formal dining room in a Davidson home

Davidson homes in Santaluz are located behind the gates and range from 3-5 bedrooms. They average a 10,000 sqft lot size with none less than 8,050 sqft.. according to the original building brochure.

The floor plans allow for a variety of buyers needs.  The Plan 1 has the master, an office and a bedroom/bath suite on the 1st floor. They were built in 2004-2005.  Please contact me for current availability and past closed sale information; GBPagnotta@gmail.com

Residence One

3,802 square feet

4 bedrooms+office,interior courtyard,loggia off kitchen nook

The Plan 1 has the master, an office and a bedroom/bath suite on the 1st floor.  There are 2 bedrooms and a bathroom on the 2nd level.

Floor One

Floor Two

Residence Two

4,000 square feet

4bedrooms +bonus room downstairs or optional bedroom5/3.5 baths/interior court yard off dining room ND A TANDEM GARAGE (3 SPACES).

Floor One

Floor Two

Residence Three

4,732 square feet

4 bedrooms+ separate casita suite, 4.5 baths,crafts room off kitchen, split 4 car garage, interior courtyard, motor court

Floor One

Floor Two

For more information on Santaluz please  CLICK Here

Santaluz Golf Course

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Coldwell Banker Home Research Study

2010 Coldwell Banker U.S. Home Listing Report – Highlights

Coldwell Banker Survey

  

Coldwell Banker performs surveys on a regular basis to provide information on housing nationwide.  They found a $1.7 million spread in price between the most expensive and least expensive neighobrohoods in the US.  It was no surprise that Newport Beach, Ca. was rated the most expensive.  Some of the other findings according to the report which was on RIS Media include:

America’s Most Affordable Markets:

- Grayling, Mich., is home to many top cross-country skiing destinations.
- Sioux City, Iowa, has been recognized as a top U.S. economic community for areas between 50,000 and 200,000 people.
- Cleveland, Ohio, is home to the Rock and Roll Hall of Fame.
- Muncie, Ind., has gained notoriety for its successful prep sports programs.
- Norfolk, Neb., is home to many healthcare and manufacturing companies.
- Kansas City, Mo., is just behind Rome, Italy, for the largest number of fountains in a city (more than 200).
- Canton, Ohio, is home to the Professional Football Hall of Fame.
- Port Huron, Mich., features the School of Strings, which presents over 50 concerts a year with its Fiddle Club, Faculty and Student Ensembles.
- Topeka, Kan., was once temporarily renamed “Topikachu,” in honor of the Pokémon franchise.

Homeownership Affordability: In total, there are 85 U.S. markets in the HLR with average reported listing prices less than $200,000. There are 183 markets (out of a total of 296 surveyed) that are less than $300,000.

Great Midwest: Michigan has three markets on the most affordable housing list (Detroit, Grayling and Port Huron), and all 10 of the most affordable markets are in the Midwest.

Low Monthly Payments: Put in perspective, a $200,000 30-year-fixed mortgage at a 4.5% rate could cost a buyer a relatively low monthly mortgage payment of just above $1,000. The average $68,000 four-bedroom, two-bathroom home in Detroit could average less than $350 a month.

Pacific Paradise: Out of the 10 most expensive real estate markets, six are from California: Newport Beach, Palo Alto, San Francisco, La Jolla, Pasadena and Santa Barbara.

Above $750,000: The survey included 25 housing markets where the average listing price for the subject home was more than $750,000, including 10 markets whose average listing price exceeded $1 million.

The Coldwell Banker U.S. Home Listing Report includes residential real estate listings appearing on Coldwell Banker.com. This market data includes property listings from Coldwell Banker affiliates as well as listings from other Realogy franchise brands that fit the same four-bedroom, two-bathroom criteria.

¹Currency rates were calculated on http://xe.com on September 14, 2010, and rounded to the nearest dollar amount.

Again this inofrmation was taken from a RIS Media source.

To see what markets are doing in 92127,92128,92064 and other San Diego areas go to: Market Trends

To determine the value of your home go to: Home Value

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Year To Date Sales For Seven Oaks Attached

Seven Oaks (7 Oaks) in Rancho Bernardo Sales 2010

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Market Trends for Rancho Bernardo 92128

7 Oaks in Rancho Bernardo

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Ca.New Laws Governing Real Estate 2010-2011

 CALIFORNIA ASSOCIATION OF REALTORS Outlines New Laws

Real Estate New Laws

I have taken this information from the latest CAR bulletin and believe it contains valuable information that I want to share.

 
New California Laws for 2011
 
The recent end of the 2009-10 legislative session has brought the end of short sale deficiency judgments for first loans, and other new laws affecting REALTORS® and their clients.  To view the full text of the following bills, go to www.leginfo.ca.gov.

No Short Sale Deficiencies:

Starting January 1, 2011, a seller’s first trust deed lender cannot obtain a deficiency judgment against the seller after a short sale.  Providing written consent to a short sale shall obligate the first trust deed lender to accept the sales proceeds as full payment and discharge of the remaining amount owed on the loan.  This law applies to first trust deeds secured by one-to-four residential units, but does not limit the lender from seeking damages for fraud or waste by the borrower.  Senate Bill 931.  Governor Schwarzenegger vetoed Senate Bill 1178, our sponsored bill, which would have extended California’s anti-deficiency protection to refinance loans.

Energy Audit in Home Inspection Report:

Beginning January 1, 2011, a home inspection and inspection report may, upon a client’s request, include an audit of the energy efficiency of a home, according to the standards of the Home Energy Rating Systems (HERS).  REALTORS® are also strongly encouraged to give the newly released HERS booklet to residential buyers, because doing so provides a valuable shield from liability.  Delivery of the booklet will be deemed to be adequate to inform the buyer about the statewide HERS program.  Assembly Bill 1809 and California Civil Code section 2079.10.

It is my belief we will be seeing more standards for energy efficiency and “green” terminology and MLS input,in the future.  There have to be set “standards” and ways of measurement so consumers are not mislead due to misrepresentation.

Restriction on Adverse Possession Claim:

 Effective January 1, 2011, a claim for adverse possession requires, among other things, certified records of the county tax collector showing that all state, county, or municipal taxes have been timely paid for the five-year period the property has been occupied and claimed.  Existing law merely requires proof that taxes have been paid for the five-year period, not certified proof of timely payments.  Assembly Bill 1684.

The easiest way to define adverse possession for me is to think of “squatters rights.” Someone uses land openly and it becomes their property after meeting certain requirements.  It dates back to the 1600′s.

“Adverse possession is the taking of title to real estate by possessing it for a certain period of time.  Title means ownership of real estate.  The person claiming title to real estate by adverse possession must have actual possession of it that is open, notorious, exclusive and adverse to the claims of other persons to the title.  By its very nature, a claim of adverse possession is hostile to the claims of other persons.  It cannot be hidden but must be open and notorious in order to put other persons on notice as to one’s claim for possession of the real estate.” Taken from Lawchek.com

Enforcement of MLO Requirements:

 Effective January 1, 2011, anyone acting as a mortgage loan originator (MLO) without an MLO license endorsement will be guilty of a crime punishable by six months imprisonment, plus a $20,000 fine.  Furthermore, a broker cannot employ or compensate a real estate licensee for MLO activities unless that licensee has a license endorsement.  This law has also given the Department of Real Estate (DRE) the authority to deny or revoke a MLO license endorsement or take other action.  This law also amends the MLO requirements for finance lenders and residential mortgage lenders under the Department of Corporation.  Senate Bill 1137.

Well just don’t originate a loan unless you are licensed…obviously is a law intended to regulate lenders and protect consumers. 

Post-Foreclosure Protection for Tenants:

Commencing January 1, 2011, a notice to terminate a residential tenant who remains after a foreclosure sale must generally include a statutory notice of the tenant’s rights.  This requirement, which sunsets on January 1, 2013, applies to an immediate successor-in-interest for one year after a foreclosure sale.  The tenant’s rights must be on a separate cover sheet or, for a 90-day termination, incorporated into the notice to terminate.  Another provision of this bill protects a residential tenant’s credit by generally prohibiting the court clerk from revealing unlawful detainer court records unless the plaintiff prevails at trial.  Senate Bill 1149.

I tell all tenants to carefully check ownership of the property and title prior to signing a lease.  There are so many rental ads on websites such as Craig’s list that it is only prudent to take some precautions prior to giving someone a security deposit and rent. If a NOD has been filed or the home is listed as a short sale there is obviously the liklihood of a foreclosure.

Tenant Protection for Domestic Violence Victims:

Starting January 1, 2011, a residential landlord cannot terminate or fail to renew a tenancy based on domestic violence against the tenant or tenant’s household members as specified.  This law applies if the person restrained from contact with the tenant by court order or named in a police report is not also a tenant of the same dwelling unit.  If the protected tenant subsequently allows the person restrained to visit the property, or the landlord reasonably believes the person restrained poses a physical threat to others or to quiet possession by other tenants, the landlord may serve a three-day notice to correct or quit.  To further ensure safe housing for domestic violence victims, this law also requires that, for leases entered into after January 1, 2011, a landlord changes the exterior locks of a protected tenant’s dwelling unit within 24 hours after the tenant provides a written request and supporting court or police documentation as specified.  Senate Bill 782.

All tenants should ask their landlords to change their locks prior to occupancy.

Protections Against Real Estate Fraud:

Effective January 1, 2011, new laws protecting consumers from real estate fraud include, without limitation, the following: (1) Expanding the foreclosure consultant law to include someone who performs a forensic audit of a residential mortgage loan (Assembly Bill 2325); (2) Requiring any mailed solicitation that offers to provide a copy of an owner’s grant deed or other title records for a fee to include a prominent statutory disclosure that the copy service is not associated with any governmental agency and that the homeowner can obtain such records from the county recorder (Assembly Bill 1373); and (3) Increasing the criminal punishment for renting out a residential dwelling without the owner’s consent from six months imprisonment plus a $1,000 fine, to one year imprisonment, plus a $2,500 fine (Assembly Bill 1800).

I am just not surprised anymore by what people will do for money.That is why we have these new laws. Again, a prospective tenant needs to check ownership…a matter of public record prior to giving anyone money to lease a property.

Other Laws:

Some of the other laws that may interest REALTORS® include, but are not limited to, revisions to the mechanics’ lien law (Senate Bill 189); clarification that the prohibition against discrimination of tenants based on source of income pertains to lawful and verifiable income (Senate Bill 1252); extension of the CalVet Home Loan program to include 2-to-4 residential units (Assembly Bill 2087); and lien enforcement by a municipal utility district for a tenant’s delinquent charges (Senate Bill 1035).

There you have it…for any concerns that you have or assistance you need in Real Estate send me an email at GBPagnotta@gmail.com

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Santaluz One Story New Listing!

Welcome to 8325 Santaluz Village Green EAST

8325 Santaluz Village Green EAST

This is the home you have been waiting for!  Exceptional one story living  with all the finest features and finishes one could wish for.  This property sits above the first fairway of Santaluz Ress Jones Golf Course.  Panoramic views of not only the golf course but the mountain ranges create your forever vistas.  This home features 3 bedrooms, 3 baths and a casita (18×12) which makes an ideal home office! It is located behind the gates of North County’s popular Santaluz community.

The center court yard will provide an ideal quiet place for reading, enjoying the California sunshine and dining al fresco.  The spacious front courtyard is a wonderful spot to unwind at days end and watch the golfers and sunsets.  Walk to Fresh Roast Coffee in the morning for your first jobe and then join a class at the fitness center; pilates, yoga, zumba…or just work out in the gorgeous fitness facility.   All of this will be yours because this home conveys with a Hacienda level Santaluz Club Membership.  Grand-kids or children can enjoy Camp Santlauz, Friday movie nights, swimming in the year round heated pool or riding bikes on of the many trails throughout this vibrant community. Mom and Dad can dust off their tennis racquet’s and join “

“Boot Camp” Saturday mornings followed the reward of breakfast at Fresh Roast…

This home is ready for immediate move in as owners spent time and a great deal of cost replacing the carpeting, repainting and prepping this gently used residence so it would be in model condition for sale.

Priced at $979,900 we can provide statistical market data to show closed sales and substaniate this excellent value. Email for info!

Enjoy the Virtual Tour: http://www.previewfirst.com/mls/flash_video/30123

Open House will be held this Sunday, October 3, 1-4 so come to the North Santaluz Gate and see this home before it is a SOLD statistic!

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