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  1. #1
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    Where to live in San Diego?

    Looking to relocate to San Diego while the buying is good from the san fernando valley. Trying to escape the heat. Looking for cooler climes. Looking for a newer development with all the givens... low crime, good schools, family oriented, multicultural, no more than 20 miles to the airport, $600k max price. Don't want to be too close to coast as to avoid the overcast/fog that comes with that territory but not too hot either...at least cooler than woodland hills. Thanks.

  2. #2
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    There's plenty of foreclosures in the Chula Vista/Eastlake area of San Diego. If you got the cash handy, you could pick up a huge house at auction for around $300k. That area is seriously hurting and there's plenty of desperate people who need to sell.

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    I used to live down that way and still have ties. The "June Gloom" fog line fluctuates, but goes roughly 5 miles inland. Drive around University City as an example and look at the difference in landscape between the west and east ends. The trade-off is that as you go inland, it is also hotter in the summer. Escondido, Santee, Poway, El Cajon are all a lot warmer.

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    Rancho Penasquitos if you like Mountain Biking

    Rancho Penasquitos would be a great choice since you are close to Los Penasquitos reserve, Santa Luz loop, and Black Mountain Open Space. Climate is also in the middle between Coastal fog and inland heat.

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    4S Ranch, Del Sur, Santa Luz, are nice new area's, and are in the famed Poway School District.

    Other places to check are Pacific Highlands Ranch, Torrey Highlands, and Carmel Valley, all good school districts.

    I live in 4S Ranch, and it very family friendly. The wife is originally from the San Fernando Valley.

    It is not as cool as some of the coastal cities, but a lot cooler than where you are know.

    http://www.4sranch.com/

    http://www.delsurliving.com/

    http://www.santaluz.com/

  6. #6
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    I live in the Penasquitos area. Only about 5 degrees warmer than the coast most days and the fog burns off earlier. Good hilly area and decent trails out your back door. You even have views of the ocean from a lot of homes here. The place is centrally located in the county too...not too far from downtown, north county coast, ten minutes from nearest beach (Torrey Pines) and the public schools are good. You can find something decent for $600. Great road riding too, if you feel the need.

    I used to live in Valencia, which was a bloody furnace in the summer. Don't miss it. I even lived in Van Nuys at one point, which was the absolute low point of my life.

  7. #7
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    Look at San Elijo Hills in San Marcos.
    Go here: http://www.sanelijohills.com/
    "Hesitation is the Mother of Failure!"

    ~~ 951 for Dirt & Roadster for Asphalt ~~

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    i was going to suggest 4s or carmel mountain.

    i live in carmel valley, and we are close enough to the coast to get overcast and foggy. but, i can ride to lpq, and i like the fog.

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    Great info.... thanks to all.

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    I'd recommend Tierrasanta. You can ride from your house to Mission Trails Regional Park (MTRP), you are close to other trailheads, and it is very centrally located so it's easy to get anywhere with the 15, 52 and the 8 nearby. Very safe, great schools with a family atmosphere, and although it's not a new development like 4S or SEH it is very well maintained and a desireable part of SD.

  11. #11
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    golden hill or logan heights

  12. #12
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    Do not buy now. Market is still going down. Wait. Anyone who tells you now is a good time to buy is a real estate agent. Now is not a bad time to buy but it will get better.

  13. #13
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    Today in San Diego it is cooler than Woodland Hills...... sort of... it's all relative.

  14. #14
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    Sandmangts, I find it funny how you are advising on when to buy (or not buy), and it doesn't sound as though you are in the real estate industry. Agents are saying it’s a good time to buy because it IS a good time to buy. Interest rates are still very low, but starting to climb right now. Even if some areas are declining still, that does not mean everyone should not buy. If you plan on staying in the home for awhile (3-5 years), it’s a great opportunity to buy a home for your family and have the upper hand as the buyer in the buyers market, try and have the seller pay your closing costs in a sellers market! If you are looking to buy and sell in the short term(banking on appreciation and using your house as an ATM) then maybe now isn't the best time. Its time in the market, not timing the market! If you are waiting for the magic time to buy, like maybe when prices start to climb again? Then you and everyone else who is waiting will create the buying frenzy that drives the prices up and gives the sellers the upper hand, bye bye buyers market! Now the home you were eyeballing for 350K has creeped up to 375K with multiple offers. Don't listen to the media, all the media does is spread fear. Real estate professionals are advising qualified people to buy now because there are wonderful opportunities right now, some with multiple offers, even now in this "Bad" market. The correctly priced homes are selling, and fast. At least here in San Diego. My wife and I found a home for a first time buyer with $51,000 in equity. It was an REO(bank owned) listed around 50K below comparables. When we were showing it to her, another agent and his clients were just leaving, the agent said on the way out, “A deal like this isn’t going to last past the weekend” It didn’t, we put in an offer that day. I don't see how that would be a bad thing for our buyer! It’s a buyers market now, where will you be when it’s over!

    Scott

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    CEB
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    Agreed....

    Quote Originally Posted by Scott A.
    Sandmangts, I find it funny how you are advising on when to buy (or not buy), and it doesn't sound as though you are in the real estate industry. Agents are saying it’s a good time to buy because it IS a good time to buy. ...snip... It’s a buyers market now, where will you be when it’s over!

    Scott
    So very correct. This is the third time I've ridden through a RE market like this. Just when everyone thinks the market is a vacuum...zoooooom go the real deals and the race is on once again. The media (poorly paid "journalists" can't afford a home of their own) have NEVER once during the 8 year run up in values from 1996 thru 2004 proclaimed its time to buy. The sage advise as Scott said is plan to own a property for longer than 3+ years. Is that a long time to live in one place?? And don't repeat the most recent stupidity.... DON'T GET A LOAN THAT WON'T LAST AS LONG AS YOUR INTENDED OWNERSHIP! If you can't afford a loan when it adjusts, don't get it ... duh!?!?!?

    As for the OP........... get yourself a house, settle in and start riding some of the best YEAR ROUND trails in the nation, LowSoCal!!!

    Chip in San Diego (oh , yes, I AM a real estate agent, since 1983)
    Last edited by CEB; 06-23-2008 at 01:21 PM.

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    Not to rag on you real estate guys, but were you ever advising your clients to buy at the top of the market???

  17. #17
    CEB
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    Quote Originally Posted by richwolf
    Not to rag on you real estate guys, but were you ever advising your clients to buy at the top of the market???
    If you need a place to live......yes! If you wanted to roll over a tax deferred 1031 exchange,...yes! I never told someone not to buy, what I did say was don't plan a 2 year ownership, that is poor planning.

    Even Julian RE is a good buy!

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    Quote Originally Posted by CEB
    If you need a place to live......yes! If you wanted to roll over a tax deferred 1031 exchange,...yes! I never told someone not to buy, what I did say was don't plan a 2 year ownership, that is poor planning.

    Even Julian RE is a good buy!

    I think the market is still going down. Much of what sandmangts had to say is true. Just because he isn't in the real estate business doesn't mean he doesn't know of which he speaks.
    I have many friends in real estate so I talk to them about the market and where it is headed.
    As far as Julian being a good buy, I don't really think it is any different than any other part of San Diego county except that gas prices might negatively affect us more. Many people who buy up here have long commutes.
    If a person needs a place to live, they can rent. Buying is not the only option.
    Still prices have come down a lot, so things are more affordable than they were in the last year or so if someone has the dough it "might" not be a bad time.
    Good luck to you!

  19. #19
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    Whether or not it is a good time to buy or not has more determining factors then price declining alone. Real Estate generally doubles in value every ten years, even with the ups and downs. I like to think this is a good market because it opens the doors to a new generation of people. If it kept going up, young people starting families would always be priced out of the market. Now a lot of homes are available to families that could only dream of buying a home a few years ago. It does affect people selling in this market that bought a couple years ago, but the people that bought a couple years ago who are not selling are not directly affected. Imagine an original owner in Allied Gardens that built there home new in 1955 for $14,000, which is free and clear now. Do you think they care if their home went from 550K to 400K? (Assuming, they have no loans on the property) Most of this "crisis" is because of the bad loans that were made.
    Desirability of location also has a big impact, so I believe Julian is different than other parts of San Diego, just as Mission Valley is different than Lakeside. Some areas around the US actually have seen increasing values over the past few years, but you won't hear about them as much on the news. I understand that you have talked with friends in the business, and that is better than the news, but not all agents think the same, and have the same outlook, much like every other profession. Not all doctors will advise the same treatments for the same diagnosis. Not all presidents will treat its people the same. Real Estate isn't black&white, there are an infinite amount of possibilities.

  20. #20
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    Quote Originally Posted by CEB

    As for the OP........... get yourself a house, settle in and start riding some of the BEST trails in the nation, LowSoCal!!!

    Chip in San Diego (oh , yes, I AM a real estate agent, since 1983)
    the best trails in the nation, ha, that's a laugh! tiny city preserves, etc, truely laughable. have you been to places like downieville, tahoe, orders of magnitude better than SD

  21. #21
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    Quote Originally Posted by dft
    the best trails in the nation, ha, that's a laugh! tiny city preserves, etc, truely laughable. have you been to places like downieville, tahoe, orders of magnitude better than SD

    Remember a real estate agent is a salesman.

    If you take in the mountains and the desert of San Diego County and the fact that there is year around riding, then I do think that San Diego COUNTY is one of the best places in the nation for mountain biking.

  22. #22
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    Quote Originally Posted by Scott A.
    Sandmangts, I find it funny how you are advising on when to buy (or not buy), and it doesn't sound as though you are in the real estate industry. Agents are saying it’s a good time to buy because it IS a good time to buy. Interest rates are still very low, but starting to climb right now. Even if some areas are declining still, that does not mean everyone should not buy. If you plan on staying in the home for awhile (3-5 years), it’s a great opportunity to buy a home for your family and have the upper hand as the buyer in the buyers market, try and have the seller pay your closing costs in a sellers market! If you are looking to buy and sell in the short term(banking on appreciation and using your house as an ATM) then maybe now isn't the best time. Its time in the market, not timing the market! If you are waiting for the magic time to buy, like maybe when prices start to climb again? Then you and everyone else who is waiting will create the buying frenzy that drives the prices up and gives the sellers the upper hand, bye bye buyers market! Now the home you were eyeballing for 350K has creeped up to 375K with multiple offers. Don't listen to the media, all the media does is spread fear. Real estate professionals are advising qualified people to buy now because there are wonderful opportunities right now, some with multiple offers, even now in this "Bad" market. The correctly priced homes are selling, and fast. At least here in San Diego. My wife and I found a home for a first time buyer with $51,000 in equity. It was an REO(bank owned) listed around 50K below comparables. When we were showing it to her, another agent and his clients were just leaving, the agent said on the way out, “A deal like this isn’t going to last past the weekend” It didn’t, we put in an offer that day. I don't see how that would be a bad thing for our buyer! It’s a buyers market now, where will you be when it’s over!

    Scott
    Scott, you are presenting the common arguments of San Diego realtors. Buy now before prices go up, you can't time the market, they aren't making any more land, everyone wants to live in San Diego.... Ok, I added a couple you didn't mention.

    There is no indication that prices will increase or even remain flat 3-5 years from now considering the unprecidented run-up in prices. Remember the 90's? Prices remained flat for about 10 years! The domino affect from the horrible underwriting of MBS and exploding rate of NOTs and NODs increasing MUST-SELL inventory is only depressing prices further (currently at 2003 prices according to Cash-Shiller).


    The pyramid scheme will continue to unravel as depressed comps wipe out equity and homeborrowers are unable to refi their neg-am, no-doc, I/O loans. These MUST-SELL homes are added to the MLS and with tightened underwriting there are fewer borrowers to pick up these "bargains". I'm sure you're familiar with the infamous Credit Suisse mortgage reset chart


    and more specifically with the number of homes purchased in SD during '04-'06 with creative loans. I'm sure we'll see some dead cat bounces over the next few years, but I don't see any positive data indicating that prices will increase in the next 3+ years. This chart was in the UT just last week.


    I don't consider the news coverage of the housing crash as spreading fear any more than I thought their coverage of the huge run-up in prices was promoting a buyer frenzy. I'm assuming you didn't mind all of the coverage during the price run-up. What I would criticize MSM for is their 2-3 year lag in reporting the bubble.

    [/GEEK OUT OVER REAL ESTATE]
    Last edited by mealsonwheels; 06-23-2008 at 02:10 PM.

  23. #23
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    There is no indication that prices will increase or even remain flat 3-5 years from now considering the unprecidented run-up in prices. Remember the 90's? Prices remained flat for about 10 years!

    WHAT?!?!??! Which 10 years are you talking about?!??!??! Prices topped out in 1992 from the 1987 thru 1991 run up in values. THEN.......went DOWN thru 1995 (that lasted 3 years), then were right back up and DOUBLE the 1991 value by 2001. Perhaps you were referring to the 1890's.......


    Pleeeeeeze excuse me, I'm an ignorant RE agent and can't even count to 10 on my hands!!

    Hey everybody.......... RENT instead.... you get to pay your landlord's mortgage!!!

  24. #24
    CEB
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    Quote Originally Posted by dft
    the best trails in the nation, ha, that's a laugh! tiny city preserves, etc, truely laughable. have you been to places like downieville, tahoe, orders of magnitude better than SD


    YEAH, I've been there....November, December... Jan & Feb..... THE BEST RIDING I COULD FIND WAS A BAR STOOL....

    Southern California........year round you fool, YEAR ROUND!!!!

  25. #25
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    Quote Originally Posted by CEB

    YEAH, I've been there....November, December... Jan & Feb..... THE BEST RIDING I COULD FIND WAS A BAR STOOL....

    Southern California........year round you fool, YEAR ROUND!!!!
    i thought you were judging trails, not year round riding (that is what you said). goto vancouver, whistler, BC, norcal, etc. the worst trail up there is 10x better than the best trial here. noble would be a joke up there, not even worth mentioning. but hey, have fun at PQ baby!!

  26. #26
    CEB
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    Quote Originally Posted by dft
    i thought you were judging trails, not year round riding (that is what you said). goto vancouver, whistler, BC, norcal, etc. the worst trail up there is 10x better than the best trial here. noble would be a joke up there, not even worth mentioning. but hey, have fun at PQ baby!!

    NO, I was just answering what the OP posted. Remember the OP..... or are you here to just argue? The OP asked about a place in San Diego to live with good year round riding, that is all, simple and stated.

    This thread is not about "my trails are better than your trails". There are plenty of those posts available you can jump on and make all the excellent arguements for your opinion of better trails. So, search those posts out and get busy telling everyone where you think better riding is located!!! Go ... go.......go....... Here is a start.... I think Oakridge Oregon has it all when it comes to the BEST mtbike trails......... discuss!
    Last edited by CEB; 06-23-2008 at 05:16 PM.

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    Quote Originally Posted by CEB

    WHAT?!?!??! Which 10 years are you talking about?!??!??! Prices topped out in 1992 from the 1987 thru 1991 run up in values. THEN.......went DOWN thru 1995 (that lasted 3 years), then were right back up and DOUBLE the 1991 value by 2001. Perhaps you were referring to the 1890's.......


    Pleeeeeeze excuse me, I'm an ignorant RE agent and can't even count to 10 on my hands!!

    Hey everybody.......... RENT instead.... you get to pay your landlord's mortgage!!!
    Sorry, I'm probably off by a year or two. It was probably closer to 8 years. Anecdotally, my parents purchased in '90 and it took them 10 years until the value of their home was worth what they had paid. Here's a little chart as I like data.


    Pretty good article in the WSJ maybe a year ago comparing renting versus buying. Essentially their conclusion was that renting your primary residence was a better choice but they also listed non-tangible benefits including pride of ownership, ability to personalize and upgrade your home and the stability of ownership. They also concluded that owning rental property is a good investment if you have a positive return (that's been difficult to do in SD). The negative is that your investment is illiquid.

    I own a home because I was unable to convince my wife to sell 2 years ago and rent for a couple of years. I wanted to get out in '06 and jump back in 2 years later, but with a 1 year old and a pregnant wife she wanted stability. We could have saved $100k if she had listened to me, but I'm not resentful. We'd still be catching the falling knife, but with no intentions of moving for 15 years I wasn't concerned about timing the market perfectly.

  28. #28
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    Mealsonwheels, I’m sorry to hear that you have a bad association with Realtors. It upsets me that you associate us with a type of bad sales person. I do appreciate that you edited your post stating us as “Realtwhores” and changed it to Realtors though. Thanks.
    There are a lot of people out there that truly need advice and guidance to make their homeownership goals a reality. If someone is looking to buy their primary home, numbers and charts about potential equity should be the least of their concerns. It’s more of an added bonus to gain equity on your home, really. Think about it...
    What else can you buy for little to nothing down, that you use on a daily basis, that provides tax benefits, a roof over your head, and historically has always gone up in value?
    Most things I can think of that you use on a daily basis only depreciate after you purchase it. SUV's ring a bell?
    If you own your home, think back to when you were in the “Home Search” stage. Were you most concerned with the charts showing appreciation trends? Or was it more important to find the home that had the kitchen your wife always dreamed of, the big garage with room for your mountain bikes and toys, enough bedrooms to expand your family or possibly start a home business, being in the right school district for your kids, being close to work, etc? Since I don’t know you personally, these are all hypothetical concerns but these are the type of personal criteria I find are the most important to the clients I work with. Now, investment property is a different story…but for your personal residence, there is so much more to it than “Am I going to make money off of it?”

    Just look back to the OP…did any of macdaddyg2006’s priorities listed have anything to do with equity?

  29. #29
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    Quote Originally Posted by Scott A.
    Mealsonwheels, I’m sorry to hear that you have a bad association with Realtors. It upsets me that you associate us with a type of bad sales person. I do appreciate that you edited your post stating us as “Realtwhores” and changed it to Realtors though. Thanks.
    There are a lot of people out there that truly need advice and guidance to make their homeownership goals a reality. If someone is looking to buy their primary home, numbers and charts about potential equity should be the least of their concerns. It’s more of an added bonus to gain equity on your home, really. Think about it...
    What else can you buy for little to nothing down, that you use on a daily basis, that provides tax benefits, a roof over your head, and historically has always gone up in value?
    Most things I can think of that you use on a daily basis only depreciate after you purchase it. SUV's ring a bell?
    If you own your home, think back to when you were in the “Home Search” stage. Were you most concerned with the charts showing appreciation trends? Or was it more important to find the home that had the kitchen your wife always dreamed of, the big garage with room for your mountain bikes and toys, enough bedrooms to expand your family or possibly start a home business, being in the right school district for your kids, being close to work, etc? Since I don’t know you personally, these are all hypothetical concerns but these are the type of personal criteria I find are the most important to the clients I work with. Now, investment property is a different story…but for your personal residence, there is so much more to it than “Am I going to make money off of it?”

    Just look back to the OP…did any of macdaddyg2006’s priorities listed have anything to do with equity?
    Hey Scott, that was a cool response. I shouldn't post before lunch when I'm hungry. I'm always in a foul mood.

    There are some great realtors out there that are honest and take their fiduciary responsiblity very seriously. In fact, there are a few I respect immensely. There are others that are dishonest but that's true of people in every occupation. I dislike some of the propaganda NAR produces, but as a marketing guy I produce propaganda for my employer so perhaps I'm just as much of a shill as the next guy.

    If this guy wants to buy now best of luck to him and hopefully he plans on staying a while so that he can wait out any downturn. Hopefully you or CEB can guide him in the right direction and make sure he's aware of the current climate in SD. We may disagree about the direction of the market, but I agree that our home provides a stable environment for our kids and the sweat equity has given us a place we are very happy to live in.

    Sorry Scott,
    Ryan

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    jeez meals, you'd think that someone had posted some biking videos from an obscure trail ... cuz it appears your dander is up!
    It is the peculiar quality of a fool to perceive the faults of others and to forget his own.

    - Cicero

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    Quote Originally Posted by mild beast
    jeez meals, you'd think that someone had posted some biking videos from an obscure trail ... cuz it appears your dander is up!
    See beast you can contribute without cussing.

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    hey meals, since your dander is up and i don't want you blowing a gasket, i wanted to get your permission / blessing to post pics / vids of some dirt jumps in... well, the jumps are in America (notice how i didn't indicate whether they are in SOUTH or NORTH America?)

    so, with your permission / blessing, may i please post some pics of an obscure out of the way nobody will ever go there "OMG IT'S A 125 MILE SHUTTLE FROM TOWN TO RUN THIS TRAIL" type videos? or will get all pi$$y like a whining b!tch again?
    It is the peculiar quality of a fool to perceive the faults of others and to forget his own.

    - Cicero

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    Quote Originally Posted by mild beast
    hey meals, since your dander is up and i don't want you blowing a gasket, i wanted to get your permission / blessing to post pics / vids of some dirt jumps in... well, the jumps are in America (notice how i didn't indicate whether they are in SOUTH or NORTH America?)

    so, with your permission / blessing, may i please post some pics of an obscure out of the way nobody will ever go there "OMG IT'S A 125 MILE SHUTTLE FROM TOWN TO RUN THIS TRAIL" type videos? or will get all pi$$y like a whining b!tch again?
    Permission granted beast. I appreciate your concern for my welfare, and I'm humbled that you no longer refer to me as a feminine hygiene product.

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    Oh nevermind!

    I think i will just move to bakersfield instead

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    Quote Originally Posted by macdaddyg2006
    I think i will just move to bakersfield instead
    WHAT.... you could live in Arvin, Oildale.......Shafter, Buttonwillow........ or even better WASCO!!!

    California has a bountiful selection of nice places to live.... Cudahay is tops on my list!

    Chip

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    Boron. Ludlow. Blythe.

    ceb, you've set your sites too high.
    It is the peculiar quality of a fool to perceive the faults of others and to forget his own.

    - Cicero

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    I forgot about Oildale...

    man o' man...that's where we are going to aim to settle down. Thanks.

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    Trona is by far thee most out there place i've seen in California (well, aside from just uber $hitty parts of Los Angeles).

    if you've seen "High Plains Drifter", Trona is like the modern day version of 'Lago'. the football / baseball / track field is SAND. think about it. ahhhh helll, who needs to think abou things these days! just Google it!
    It is the peculiar quality of a fool to perceive the faults of others and to forget his own.

    - Cicero

  39. #39
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    If the OP still wants recommendations on where to live and not real estate advice, I second the recommendation of 4S Ranch.

    I live there now, and love it. Far enough from the coast to avoid marine layer clouds, but close enough to stay cooler than the inland cities. Its very central, family friendly, and close to many popular trails (Hodges, Black Mountain, LPQ, Santa Luz, TW, etc.)

    I can get downtown in 20 minutes, to the beach in Del Mar in 15-20 minutes, and most places in the rest of the county in less than a half hour.

    Just my two cents.

  40. #40
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    Wow, what happened to this thread? I've been living in San Diego for 11 years now (plus my college days before that) and everytime I travel I love coming back here. Has it all. Best weather (within 10 miles of coast), smaller feel than L.A., close to all (I live in central/north county area PQ), clean, etc. I especially love driving southbound on the 5 out of L.A. to get here...makes me appreciate it all the more. We could use more trails, but couldn't everyone?

  41. #41
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    We could get more trails if we had more Mt. Bikers part of the greater good... Join the SDMBA (San Diego Mountain Bike Association)(sdmba.com). It costs only $20 a year! to be a member, and you are not obligated to do anything above your donation. I joined last February and have had more fun at the functions then I have had in a LONG time. I now realize how important it is to have an organization such as SDMBA to have our back to keep our current trails open and expand our future riding opportunities. These trails don't just magically appear for us to ride. There is A LOT of behind the scenes work going into keeping trails open for us. If you ride enough to have a floor pump and/or a work stand, you owe it to yourself!!! JOIN!!!

  42. #42
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    Plus, you could get discounts on parts from local sponser bike shops. Plus Stone Brewing is a sponser so there is almost always Stone beer after a SDMBA function! Just check the website.

  43. #43
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    East Chula Vista Here!

  44. #44
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    Relocating

    what's up, I live in Austin, Tx right now, don't like it, we got some trails, but very limited. Can't decide if i want to move to San Diego, phoenix, or colorado area. My buddies live in newport beach area, the sad thing is they don't ride. I ride all the time. I was told San Clemente is a good place to live from them, cheaper but still close to everything. Looking at buying a townhome or something like that, definetely not more than 300k. Think that is possible for the area? and not live in the ghetto

  45. #45
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    dude, if yer gonna move to the San Diego area, could you please move the Anderson Truck Trail area and become a nice white land owner that does give a rats butt about evil DH-ers using the trail there.

    The NIMBY's / rich white land owners / indians are all enraged. very contentious (at least online). trail s/b renamed "the trail of tears"
    It is the peculiar quality of a fool to perceive the faults of others and to forget his own.

    - Cicero

  46. #46
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    If you have the money Chula Vista is perfect.

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