The California Association of Realtors (C.A.R.) reports that entry level housing affordability has increased by 50% in the second quarter of this year compared to a year ago. More families are now able to buy homes and this is GREAT news for the real estate market!
The minimum housing income needed to purchase an entry-level home at $329,120 in California in the second quarter of 2008 was $62,870, based on an adjustable interest rate of 5.69 percent and assuming a 10 percent down payment. First-time buyers typically purchase a home equal to 85% of the current median price. The monthly payment including taxes and insurance was $2,100 for the second quarter of 2008.
At $62,870, the minimum qualifying income was 38 percent lower than a year earlier when households needed $101,440 to qualify for a loan on an entry-level home. Recent decreases in home prices and mortgage rates have brought affordability into better alignment with income levels of the typical California households, where the median household income is $59,160.
Are you thinking that NOW IS THE TIME TO BUY A HOME? Contact us at (858) 245-9905 or visit our website at www.CV-Home.com to view all the current available homes in the San Diego Community of Carmel Valley.
Torrey Pines High School is a three-time National Blue Ribbon School, a California Distinguished School, and home to over 2,700 students from the communities of Carmel Valley (City of San Diego), Rancho Santa Fe, Del Mar & parts of Solana Beach.
Torrey Pines High School is currently ranked 185th in Newsweek's list of 1,300 top U.S. high schools.
Torrey Pines High School is located at 3710 Del Mar Heights Road in Carmel Valley and is a member of the San Dieguito Union High School District. Students come to Torrey Pines High School from middle schools such as Carmel Valley Middle School, Rancho Santa Fe Middle School and Earl Warren in Solana Beach.
Known as the "Falcons", student success is supported by tutoring centers on campus, over 300 parent volunteers, 150 extracurricular student clubs, and the Torrey Pines High School Foundation. Falcon students consistently earn top honors at academic competitions including a gold medal at the International Physics Olympiad, the San Diego Science Fair, the national journalism convention, and drama and video film events. Torrey Pines High also offers a comprehensive Division I interscholastic athletics program with 26 different varsity-level sports.
Torrey Pines begins the school year on August 25th .
Below are links to the following information sites for Torrey Pines High School:
Torrey Pines High School 2008-2009 Calendar
Bell Schedule for Torrey Pines High School
Torrey Pines High School Departments & Programs
Interested in buying or selling a home in Carmel Valley? Contact Susan at (858) 245-9905 or visit our website at www.CV-Home.com.
The ABC7 television channel has a website where you can find the cheapest gas in your community. Click the ABC7 logo to take you to the website, and fill in your zip code for the cheapest gas list in your neighborhood. Carmel Valley's zip code is 92130 and Del Mar's is 92014. Great resource and hope you find it useful!
Americans have a wonderful sense of humor, even when times are stressful...
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If you are looking to buy or sell real estate in Carmel Valley, San Diego, California, contact Susan at (858) 245-9905 or visit our website at www.CV-Home.com.
Summer is almost over and the children will be returning to school soon. What a perfect time to enjoy the beach a few more days! Carmel Valley residents are fortunate to have one of the best beaches in California nearby. Torrey Pines State Beach is located just west of Carmel Valley at the end of Carmel Valley Road. Adjacent to the Torrey Pines State Beach is the Torrey Pines State Natural Reserve.
The State Reserve is a 1,750 acre reserve which remains home to a lagoon that is a sanctuary for migrating seabirds, trails with chaparral plants, the rare Torrey Pine trees (thus the name), eight miles of trails, a visitor center and guided nature walks on weekends. Many of us have spent our weekends enjoying, what I call, the "bump and grind" steep hill that takes you up to the
Reserve from the beach parking lot below. This park road leads to a coastal wilderness of pine forests, sandstone canyons and a network of hiking trails on the steep bluffs overlooking the sea.
Torrey Pines enjoys the protection of the State of California, from the Penasquitos river valley on the east side of the highway, to the State Park lands on the west, to the Underwater Ecological Reserve offshore. The world famous Torrey Pines Golf Course helps to safeguard the southern end of the bluffs from development while the rugged cliffs where the Torrey Pines Gliderport is located; do their part to discourage overuse.
The Torrey Pines State Beach is a wide, sandy beach which stretches 4 ½ miles from Del Mar past Los Penasquitos Lagoon to the base of the sandstone cliffs at Torrey Pines Mesa. Carmel Valley Road will take you to a popular beach right off the highway, with bathrooms, showers, lifeguards and a safe spot for young children to play by the lagoon. Torrey Pines is popular for swimming, surfing, beach jogging, boogey boarding and fishing.
Plan on spending at least one more lazy day of summer enjoying a beach picnic with your family, playing in the surf, walking the sandy shores, or simply reflecting on another beautiful California sunset.
DEL MAR HIGHLANDS TOWN CENTER is centrally located in the heart of Carmel Valley in San Diego. This is the last in the series for shops and services located in the Del
Mar Highlands Shopping Center. We encourage all residents to support our local stores and service centers and remember, it is a great place to meet your Carmel Valley neighbors! Below are the services and banks located in the Del Mar Highlands Town Center:
The Del Mar Highlands Shopping Center is located on the corner of Del Mar Heights Road and El Camino Real and offers shopping, restaurants and entertainment.
Interested in buying a home in the Carmel Valley, San Diego area? Visit our Carmel Valley real estate website at www.CV-Home.com to learn ALL about the Carmel Valley area, including Carmel Valley school information, neighborhoods, real estate prices, and much more!
Explore our comprehensive Carmel Valley & Del Mar website & MLS access featuring information on Carmel Valley communities, maps, aerials, photos, HOA dues, & new developments at www.CV-Home.com.
Susan Laxson & Associates are a highly trained group of Carmel Valley & Del Mar real estate professionals selectively chosen to work in association with Susan Laxson and together they comprise decades of successful experience in the real estate industry. Along with being the experts in the marketplace, many of our associates have attained advanced credentials in the real estate profession, including GRI (Graduate Real Estate Institute), CRS (Certified Residential Specialist), CIPS (Certified International Property Specialist), along with other exclusive professional designations and affiliations that set Susan Laxson & Associates apart. While the majority of their business falls into all the price ranges of the residential real estate markets in San Diego, La Jolla, Rancho Santa Fe, Carmel Valley, Susan Laxson & Associates provide comprehensive real estate services to buyers and sellers throughout San Diego County and the resort golf community of La Quinta and surrounding Palm Springs desert communities.
Susan Laxson knows what it is to move having been raised in an Air Force family who moved every three to four years, finally settling in San Diego, when her father retired. After work experiences in education, escrow management and owning/operating stores in Puerto Vallarta, Mexico and La Jolla, Susan began her real estate career in 1986 with Merrill Lynch Realty. Susan quickly achieved success as the "Rookie of the Year" for Merrill Lynch Realty and Top Producer for the La Jolla office. Susan has consistently achieved well-earned awards and designations for her real estate experience and credits her clients with referring business to her and helping her client base grow to international status, including representing from famous athletes, media personalities, medical practitioners/researchers, scientists, politicians, CEOs to young buyers looking to buy their first home in Carmel Valley.
Susan and her family have lived and owned homes in various developments throughout Carmel Valley, including Cantamar, the Pines, Monte Claire, and Crest del Mar. Her children attended schools at Carmel Del Mar, Carmel Valley Middle School and Torrey Pines High School. Having lived and worked in Carmel Valley & Del Mar, Susan is delighted to be able to share her experiences, expertise and knowledge of Carmel Valley through her blog represented here and on her comprehensive Carmel Valley website which features every community and condominium project in Carmel Valley and surrounding communities. View her website at www.CV-Home.com.
Susan Laxson & Associates have successfully represented both buyers and sellers from around the country and around the world for the last three decades. We take enormous pride in understanding our clients and helping them reach their specific and personalized goals as they relate to their real estate investments, either as a personal home or an income producing venture. Whether buying or selling a Carmel Valley or Del Mar property, our strong commitment, professional ideals, and first-class service comes through with every transaction.
We have many years of combined experience in sales, transaction coordinating, and innovative marketing, and are always reinvesting in our team and our technology. Communication and organization is a key focus for our team, and we continually strive to simplify the conveyance of real estate. Through the use of the latest technology, we keep our clients fully informed throughout the sales and escrow process.
Susan Laxson & Associates' long term success is a direct result of personal integrity, with a strong emphasis on personal client service, and an efficient approach to organizing and operating their business. We pledge to help you find the best home, in the best location, and at the best price.
Explore Susan Laxson & Associates' websites for all the San Diego coastal communities at La Jolla, Carmel Valley, Rancho Santa Fe & San Diego. These websites provide you detailed information regarding all the San Diego communities, San Diego relocation information, San Diego schools, golf & tennis clubs, San Diego recreation, San Diego shopping areas.
EXPLORE THE FOLLOWING CARMEL VALLEY CONDOS ON OUR CARMEL VALLEY WEBSITE
BROUGHT TO YOU BY SUSAN LAXSON & ASSOCIATES
Airoso
Andalucia
Arborlake
Cambria
Carmel Pointe
EXPLORE THE FOLLOWING CARMEL VALLEY DEVELOPMENTS ON OUR CARMEL VALLEY WEBSITE
BROUGHT TO YOU BY SUSAN LAXSON & ASSOCIATES
ALTA MAR
AMADOR
ANTARES
ARABELLA
BAYSHORE
BELMONT
BOUGAINVILLEA
BREAKERS
CANTAMAR
CARRIAGE RUN
COVE
DERBY HILL
DERBY POINT
DUCK POND RANCH
ESTATES
GABLES
GREENBRIER
LA STRADA
LEXINGTON
LEXINGTON@ SUMMIT
MAYFIELD
MEADOWS DEL MAR
MONTE CLAIRE
MONTECITO
PORTICO
PRESERVE
PRIVATE COLLECTION
PROMONTORY
PROVENCE
RANCHO GLENS
RANCHO PACIFICA
RIDGE DEL MAR
SAN RAPHAEL
SAN REMO
SANDS
SANSONNET
SANTA BARBARA
SANTA FE SUMMIT
SANTA ROSA
SARATOGA
SAUSALITO
SEA COUNTRY
SEABREEZE FARMS
SEABRIDGE
SEA RIDGE
SHAW LORENZ
SHORES
SOLEIL @ BORDEAUX
SONOMA
ST. AUGUSTINE
STALLIONS CROSSING
STONE CANYON
THREE - 3 CANYONS
TORREY GLEN
TORREY POINT
TORREY VIEW
TORREY WOODS
TRILOGY
VANTAGE POINT
VINTAGE
VISTA SANTA BARBARA
WATERCOLORS
WHITEHORSE
WILD HORSE
"NEW"
BRIDLE RIDGE
Susan Laxson & Associates are members of real estate industry associations which include:
Susan Laxson & Associates utilize the professional services of the following select affiliates and customer service providers, as needed, to complete an easy and organized transaction. These include:
FINANCE & MORTGAGE LOANS
Carmel Valley & San Diego Loan Officers: Michelle Morris at (619) 850-3600
The benefits PDH Home Loans provides include:
PDH Home Loan services include:
Special niches:
TITLE INSURANCE
Customer Service 760-773-3461
ESCROW SERVICES
Carmel Valley: (858) 794-6876
COMPANY OVERVIEW
INSURANCE SERVICES
Contact: 877-717-1776
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