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5457 Harvest Run Dr, Carmel Valley

Carmel Valley Luxurious Lexington

Newly remodeled by professional designer, 5 bedroom cul-de-sac located Lexington home on a premier lot with panoramic views and walkable to Sage Canyon.

Offered for $1,698,000

For more details, click here.

MeSunset

Lydia Hwang Vosovic

San Diego Magazine 5 Star Agent Award

诚信可靠, 口碑载道

858.472.0608

LydiaVosovic@gmail.com

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10731 Spur Point Ct, Carmel Valley

Carmel Valley Breakers Beauty

Remodeled 5 bedroom 4.5 bath cul-de-sac home with 3/4″ solid wood floors throughout the home and in bedrooms. Ground floor guest bedroom suite and walkable to Sage Canyon Elementary. Offered at $1,398,000 For more details and pictures, click here.   MeSunset Lydia Hwang Vosovic San Diego Magazine 5 Star Agent Award 诚信可靠, 口碑载道 858.472.0608 LydiaVosovic@gmail.com

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Renting Your Home for Summer and Winter Visitors

If you live in an area with special attractions like the Del Mar Racing Season in California or Maine’s Lobster Festival in Rockland or even one this year’s political conventions, and you have someplace you want to go, consider renting your home.

To determine how much to charge by day/week/month, look online at similar houses in your area as well as other high demand areas. You may also need to check on your city and state regulations on tourist taxes. According to the IRS Publications 527, you are allowed to rent your home tax-fee for up to 14 days a year. And finally, be sure to contact your insurer concerning the appropriate coverage.

It’s fun and is another nice way to meet interesting people from different parts of the country or the world!

June Kubli, Ph.D.
Broker Associate, Certified Residential Specialist
License #00911089
Coldwell Banker Residential Brokerage
Cell: 858-353-0406
EFax: 858-228-9944
Email: jskubli@gmail.com

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Chinese Buyers for San Diego Property

Buying property in San Diego as a non-citizen could not be easier and with the current currency exchange giving many foreign money holders an advantage, San Diego has become a purchase destination for many who are looking for investment property and/or vacation homes especially if you are Chinese due to the great schools, plentiful Asian markets and restaurants, and amazing climate.

With luxury homes in premier neighborhoods near the oceans of La Jolla and Del Mar as low as $1,000,000 and up, and brand new homes with new schools and neighborhoods such as Carmel Valley, 4S Ranch and Del Sur around $500,000 and up, the selection is wide.

San Diego is also a great choice due to it’s safe and secure processes as all transactions are subject to US contract law and are handled by neutral third party escrow companies who oversee all aspects of the transaction between seller and buyer. With the help of technology, many of my clients only visit the US once or even not all during a transaction to purchase a home.

As a mandarin speaking real estate agent and Certified Relocation Specialist for Coldwell Banker, I have assisted not only Chinese buyers but also many other ethnicities with relocation and investing in San Diego. If qualified, a foreign non-citizen buyer can obtain an Investment Visa (EB-5) which can lead to a citizenship. I can help with visa, tax issues, immigration and other questions or concerns you may have. If you do not have your own legal counsel in the US, I can refer you to attorneys I have worked with in the past and have provided excellent service to my clients.

Lydia Hwang Vosovic
Relocation Specialist
858.472.0608
lydia@411SanDiegoHomes.com

 

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Paying off Mello Roos

Subdivisions in San Diego built after 1985 often have Mello Roos. Mello Roos is a special tax imposed on property owners through the sales of bonds for the purpose of financing certain public improvements and services such as streets, water sewage, drainage, parks, police, fire, library and schools.

While typically, Mello Roos is spread into payments of 20-30 years, it can be paid off early to save you money in the long term.

For example, new developments in Del Sur and 4S Ranch have 2 Mello Roos bonds each equaling an estimated $50,000. Payments for these bonds (including interest) are $5000 per year for 25 years (numbers are close estimates.)

After 25 years, a homeowners’ total payment will be $125,000. Many homeowners are opting to pay off these bonds early thereby saving as much as $75,000 if the homeowner owns the home for at least 25 years.

Therefor speak with your financial advisor or accountant whether paying off Mello Roos is right for you. If you do not plan on owning the home for more than 10 years, typically, paying off Mello Roos is not worth it. Currently, a paid off Mello Roos does not add to the home’s value therefor you will only save if you own your home for longer than (on average) 10 years.

Lydia Hwang Vosovic
Relocation Specialist
858.472.0608
lydia@411SanDiegoHomes.com

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Refinancing? Have you Considered a Subordination Agreement?

A Subordination Agreement is a legal document used to change the normal priority of any encumbrances that affect your real estate. One of the I’s best uses is when you are considering refinancing your first trust deed. If the holder of the second mortgage does not subordinate to the first mortgage, a new lender might not refinance the first mortgage.

A Subordination Agreement would contain the names of the existing mortgage holder as well as the new lender, describe both the new and present loan, be signed, notarized and recorded in California. There are also some limitations such as time limits, amount and specific purpose for the loan to consider.

If you are thinking about refinancing, your first loan and/or are adding a second loan, it would be advisable to review your Title Report to determine what is already in place. With a call or email, I would be happy to provide a Property Profile or Preliminary Title Report with which to begin your research into the viability of adding Subordination Agreement.

June Kubli, Ph.D.
Broker Associate, Certified Residential Specialist
License #00911089
Coldwell Banker Residential Brokerage
Cell: 858-353-0406
EFax: 858-228-9944
Email: jskubli@gmail.com

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Grant Deed Scams

If you’ve received an official looking letter, as though it is from County or a mortgage lender, urging you to request an official copy of your Grant Deed in order to prevent foreclosure and wanting to charge upwards of hundreds of dollars, don’t be fooled.

You can obtain a copy of your Grant Deed directly from your County Recorder/County Clerk. Usually, the county mails you a copy as soon as you purchase your home therefor you should already have one. If you do not, a copy can be obtained from:

San Diego Co. Assessor/Recorder/Clerk
1600 Pacific Highway #103
San Diego, Ca 92101
619.236.3771
www.sdarcc.com

Charges range depending on how many pages your deed is but usually do not exceed $20.

Lydia Hwang Vosovic
Relocation Specialist
858.472.0608
lydia@411SanDiegoHomes.com

 

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May Landlords Require Insurance for Their Tenants?

Your Landlord can legally require you to provide proof of renters’ insurance as a condition of the lease.  A landlord may specify a minimum amount of coverage and require that both the property manager and legal owner of the property be added to your policy as an additional insured.

June Kubli, Ph.D.
Broker Associate, Certified Residential Specialist
License #00911089
Coldwell Banker Residential Brokerage
Cell: 858-353-0406
EFax: 858-228-9944
Email: jskubli@gmail.com


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Team 411SanDiegoHomes Scores Again!

 Hard work is rewarded. Congratulations to the 411SanDiegoHomes Team!

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Shall I Remodel My Home?

Which Home Improvement Projects Have the Highest Returns?

Recently, REMODELING Magazine did a survey to rank which home improvement projects needed the most return for their clients and YOUR FRONT DOOR recouped 73% of its cost! What this means is that if you replaced your entry door for around $1,200 you would  see a 73% return on your investment.

Other projects that had a high return on your investment were:

*MINOR KITCHEN REMODEL costing around $19,000 and return about 72.1%

*MAJOR KITCHEN REMODEL costing around $58,000 returns about 65.7%

*GARAGE DOOR REPLACEMENT costing around $1,500 had a 71.9% return on investment

*WOOD DECK ADDITION costing around $10,000 and returning about 70.1%

*VINYL WINDOW REPLACEMENTS costing $11,000 and returning about 68%

*WOOD WINDOW REPLACEMENTS costing $12,000 returns about 67.5%

So, before you decide what to improve or replace, remember that there are a variety of factors to consider in addition to the fiscal costs. For more information, please contact your local contractor and our neighborhood Realtor.

 
June Kubli, Ph.D.
Broker Associate, Certified Residential Specialist
License #00911089
Coldwell Banker Residential Brokerage
Cell: 858-353-0406
EFax: 858-228-9944
Email: jskubli@gmail.com

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New Carmel Valley Listing – 4797 Caminito Borrego, San Diego, CA 92130

 

 

 

Carmel Valley home overlooking Carmel Knolls Park! 

Four Bedrooms two and one-half baths with sunny open floor plan.

Popular gated community – Stone Canyon.

 

Katie Dunahoo, Certified Restidential Specialist, Broker

858.775.1239 or ktdunahoo@msn.com

(more…)

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Property Tax Appeal San Diego

Property Tax Appeal Deadline Nov. 30th.

Are your property taxes too high?

If you think that your property taxes need to be reviewed and possibly reduced, you have an opportunity to appeal by submitting your request.  The link to the Appeal Application is:

http://www.sdcounty.ca.gov/cob/docs/aab/aabadobeapp.pdf

Please contact me for recent sales in your area. Always happy to be of service.

  June Kubli

858-353-0406

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Seller Financing – A Good Idea!

How to Sell Your Home in San Diego

Helping Buyers Buy Your Home

When the normal channels to finance a transaction do not always work, a variation of

seller financing might be the way to make the transaction happen. There are many

good reasons to consider assisting the buyer such as (more…)

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Should you Appeal your Property Tax?

Property Tax Appeal Process

If you think your home tax is not accurate, you have until Nov 30th at 5 P.M. to submit an appeal. Property includes not only residential, commerical and industrial space but also boats and airplanes. To appeal, a home owner might want to consider  the following guidelines :

  (more…)

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Search Homes Home Evaluation

Kathleen Williams
619-944-6520

CalBRE License #00909208

Lydia Hwang Vosovic
858-472-0608

CalBRE License #01445033

June Kubli
858-353-0406

CalBRE License #00911089

Katie Dunahoo
858-775-1239

CalBRE License #00694822

Coldwell Banker
930 Prospect
La Jolla, CA 92037

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