By spot to live that isn't more than 20 minutes from downtown...

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Submitted by Jumby on December 15, 2007 - 8:55am

I'd like to hear other people's opinions of the best spot to live that isn't more than 20 minutes from downtown...

Submitted by betting on fall on December 15, 2007 - 9:21am.

I think you need to give us a little more information, such as
1) what does the buyer care about- culture/restaurants nearby, quality of schools, size of the house?
2) What budget?
3) And is that 20 minutes counted at rush hour or just any time? (I've seen some very far off neighborhoods call themselves 20 minutes from downtown, but I think that would only be possible at 4 am in a Ferrari.)

Submitted by Jumby on December 15, 2007 - 9:33am.

1)all of that
2)1 million (want to spend 750k, but counting on 25% decline), won't buy for 2 more years
3)any time

Submitted by condogrrl on December 15, 2007 - 9:51am.

It took 30 min to get from Park and University in Hillcrest to Broadway and Union, by bus last Wed. This means you'd have to live downtown to get downtown in 20 minutes.

Submitted by betting on fall on December 15, 2007 - 10:01am.

At that budget, you can get a nice place in scripps ranch or carmel valley, live the classic american family suburban lifestyle, have quality schools, and be 20 minutes from downtown outside of rush hour. But not lots on the "culture" end of things.

But really you have a million options depending on what you prefer. You could get a very nicely restored/renovated place in some of the very central neighborhoods (Kensington/Normal Heights/University Heights) and be able to walk to restaurants/stores. You could get a condo in downtown itself. You could get a place with some land out in the La Mesa/Mt. Helix area. You could probably get a newer 5000 sq. ft. Mcmansion in Chula Vista for that price (20 min. from downtown w/o traffic or speed limits).

You just need to decide what's most important to you.

Submitted by CMcG on December 15, 2007 - 10:01am.

Mt. Helix...gorgeous views and homes in your range. My sister lived there for awhile and it was 20 minutes and usually less to downtown via the 94, but she commuted early (6:30 a.m.).

Submitted by FormerSanDiegan on December 15, 2007 - 10:15am.

Point Loma, Mission Hills, Bay Park

Submitted by SD Realtor on December 15, 2007 - 11:43am.

Jumby the diversity in neighborhoods even within 20 minutes of downtown is substantial! You can choose from beautiful views looking east from Shelter Island, (this would be the high end of your range... and needs some more depreciation to come down to 1M) to coffee houses in Hillcrest or Mission Hills... to lake views up top of Del Cerro... to looking over Mission Bay in Baypark...I could go on and on...

Same with the quality of schools, the quality and age of the homes, lot sizes etc... It is really a tough question to answer. Even within localized areas there are differences. For instance Kensington and Normal Heights share 92116 but are quite different. They border Hillcrest and Mission Hills and those areas are quite different from them. Schools vary widely as well.

Can you perhaps list a priority of what is most important?

Also even with that priority list I could not advise anything more then to live in San Diego for awhile before you even consider buying. Rent for a year and spend a few months checking out potential neighborhoods for your purchase.

SD Realtor

Submitted by paramount on December 15, 2007 - 7:33pm.

Hi - I'm looking for the best neighborhood to buy in within 20 minutes of downtown San Diego. I have a million dollars to spend, I have a 0 DTI, I have never missed a bill, I have a 850 credit rating, I am a perfect specimen.

Who believes this crap? 99.99999% of all people who have a million dollars to spend on a house in SD know the area.

I'm starting to think this board is more about living a fantasy than anything else.

Oh, and this person is that .000001%, sure...

Submitted by PCinSD on December 15, 2007 - 2:40pm.

There's some amazing properties in Mission Hills and the area just above Old Town. Not sure if it's considered Old Town or Mission Hills. Point Loma/Sunset Cliffs is nice too - if you can find something decent for $750k. That might be possible in a couple of years. Finally, there's some beautiful homes in South Park. Not just the usual craftsman type, but truly beautiful homes with unique architecture. Close to the dog park/golf course. But, I don't think any of those areas are known for having the top rated schools.


Submitted by Downtowner on December 15, 2007 - 5:34pm.

Uh, maybe I'm missing something, but what about living downtown? I tried Mission Hills, but it was too quiet for me - I always found myself wanting to go downtown, so why not just cut to the chase and live there?

Submitted by RatherOpinionated on December 15, 2007 - 5:58pm.

I know a good place on Yokohama Ct in Del Cerro.


Submitted by Jumby on December 15, 2007 - 6:01pm.

I appreciate everybody's feedback...I now have quite a few areas to check out...

I don't want to actually live in downtown because it's a pain in the butt...traffic, padres games (not a fan), lack of parking and then having to lug stuff up the elevator. I also don't want to share walls with people that could potentially be rude with noise.

Submitted by DCRogers on December 15, 2007 - 6:33pm.


Please tell me that this entire discussion wasn't just a setup so the "Del Cerro" ad could be posted... I seem to recall an irritating thread earlier this month (complete with phony "postings") that was just an excuse for advertising this same property.

So, are you for real?

Submitted by patientrenter on December 15, 2007 - 9:14pm.

Does anyone else recall when Jumby first started posting, versus when this RatherOpinionated guy showed up? [I.e. Is there circumstancial evidence that they are one and the same person?]

Patient renter in OC

Submitted by NotCranky on December 15, 2007 - 9:40pm.

Jumby is a nice guy. He is absolutely not R.O.

Del Cerro is more or less 20 minutes from down town and the house will fit Jumby's price parameter if it doesn't already.

Submitted by Jumby on December 15, 2007 - 10:01pm.

Wow...alot has transpired since I left to play basketball today.

Here is my story...used to live in Imperial Beach from 96-04 then moved back to S FLA. I'm sick of S FLA am I'm thinking about moving back.

I worked downtown for years and I used to love playing ball at the Y, there is a great group of guys that have been playing from 11am - 1pm for about 15 yrs now. I have a home based business and I look forward to playing at the Y once again and I don't want to be too far away. I've asked SD Realtor and Rustico about the possiblility of building my own home in Bonita before.

Even though I lived in Diego for 9 yrs the only area I'm really familiar with is the South Bay.


Why would somebody waste their time on this board advertising real estate?

According to 4plex, RO is actually MultiplePropertyOwner.

You guys don't seem to keep up on the threads! You need to get a life! :)

Submitted by NotCranky on December 15, 2007 - 10:08pm.

R.O and M.P.O are not the same people.

MultipleProperty Owner was always Multiple Property Owner and R.O. was a couple of street names and now has been only R.O for a week or two.

Submitted by DCRogers on December 15, 2007 - 10:33pm.

Jumby, please accept my apology.

Now, I think I'll leave and get some of that "life" thing you mention...

Submitted by SD Realtor on December 16, 2007 - 12:39am.

You gave me a good laugh Jumby.

I forgot to ask if you had abandoned the plans to build in Bonita/South Bay. I think in the long run, you get more for your money by doing that then purchasing resale.

I take it you are just kind of weighing all the options?

SD Realtor

Submitted by RatherOpinionated on December 16, 2007 - 1:19am.

RO is happy being RO. Formerly known as YokohamaCt and RemingtonRd, but not MPO, Jumby or anyone else. Well, maybe piece of $#!~ troll according to some of you, but besides that I'm happy being (and staying) RO - a member of good standing and positive contributions (mixed in with a little fun of course from time to time).

Submitted by Jumby on December 16, 2007 - 11:01am.

Yes, just weighing all the options....

When I lived in Diego I didn't own so I'm not familiar with the property tax laws. Question, if I were able to build something for 600k total, but it would appraise at 750k, how would it be assessed?

And, after it's been assessed, what is the cap it can rise every year?

Submitted by SD Realtor on December 16, 2007 - 11:14am.

So many will be better at answering then I... Rus you probably know....

So I believe after you build and then convert the construction loan to a mortgage then I "believe" the assessment will be based on the new appraisal.

That is JUST MY GUESS though so don't take it as gospel. Assume your property tax will be 1.15% after taking bond measures and such into account. You can read up on Prop 13 to find out about the cap on annual increases... It is pretty stringent but yeah they do go up a little bit each year. Like I said, google california prop13 and read up...I am to lazy this morning to do it.

SD Realtor

Submitted by Jumby on December 16, 2007 - 11:17am.

thanks for pointing me in the right direction..

Submitted by NotCranky on December 16, 2007 - 11:54am.

The assessor starts with the value of the land by purchase price. When you pull a building permit the assessor gets a partial copy of the plans. Sometimes they do progress checks to get the value up to date for the next assessment period. When the project is finished the owner submits a statement of the nature and quality of improvements and puts a price on it. The Assessor takes all this in to consideration and makes a final assessment and this is the tax base. I personally have always come out better according to the assessor's work than if I had purchased a similar property.That may not always be the result. I don't really Know.

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