Monthy Principal & Interest Payments

Estimated Monthly Payment Factors per $1000 on a 15 and 30 Year Fixed Loan.

If you are buying Escondido real estate or other North County homes, the first thing you need to do is to determine if you can afford the payments.  If you like to do-it-yourself, the tables below will help get you off to a good start.  If you would like professional help, call me and I will put introduce you to one of my team members at HomeServices Lending

To estimate your monthly principal and interest mortgage payment, divide the loan amount by $1000 and multiply by the payment factors below for the interest rate and loan term you are considering.  This factor does not include San Diego North County property taxes.  You can estimate the basic anual taxes by multiplying 1.2% times the purchase price of the Escondido home.  You will also have homeowners insurance, possibly homeowners association dues, pmi, and maybe even Mello Roos taxes.  Too confusing, contact Gary Harmon, your North County Realtor for a personal explaination.




Gary Harmon specializes in Carlsbad ocean view property, Encinitas ocean view property, Oceanside ocean view property, as well as all properties in  Carlsbad, Encinitas, Oceanside, Vista, San Marcos, and Escondido.  Contact Gary Harmon,  your top North County Realtor.

Prudential California Realty – Gary Harmon

Gary Harmon teamed up with Prudential California Realty over twenty one years ago.  Prudential Realty had very few offices at the time.  Gary started at Prudential Rancho Bernardo, later moved to Prudential Escondido, then Prudential San Marcos and now works at the Prudential Carlsbad (La Costa) office.  Prudential California Realty has grown to be the #1 real estate company in San Diego County and has remained there for over 13 consecutive years according to the San Diego Business Journal. 

Prudential California Realty - Gary Harmon

If you have been thinking of selling your San Diego North County home, why not team up with the best instead of one of the rest.  Contact Gary Harmon, your North County Realtor.

Do It Yourself?

Do It Yourself?

Thinking of selling your North County home?  Want it to look its best?  Giving your San Diego North County home a minor facelift may equate to a larger investment than you are willing or able to make.   Should you try to do the minor facelift on your North County house yourself or should you hire a professional to do the job.  To make an informed decision, consider the level of skill required, do you have the tools necessary,  how much time will it take, and can you get the job done correctly the first time.  If you need professional help you should hire the help you need.

Sell Your North County Home

Doing it yourself when selling your North County home is very little different than the minor facelift.

Gary Harmon has the skill level and is the right North County professional for the job.  Gary has the right tools, see Gary Harmon’s Winning Team.  Gary has over 20 years of experience with Prudential California Realty, helping sellers get top dollar for their North County homes.  And finally, Gary has the time to dedicate to the sale of your North County home and will get it right the first  time.

For help selling your home today, contact Gary Harmon, you top North County Realtor.   Don’t loose money and time trying to “Do it Yourself.”  Put Gary Harmon and his team to work for you today.

Inserted article is courtesy of Joyce Nathan of HomeServices Lending San Diego North County.

Re-invent Your Space – North County Homes

Minor Facelift for North County Homes

The above information was furnished courtesy of Gary Harmon’s Winning Team member,  HomeServices Lending.  For more information on North County homes, contact Gary Harmon, your North County Realtor.

Prudential Military Advantage for San Diego North County Homes

Prudential Military Advantage offered by Gary Harmon.With Memorial Day coming up I thought it might be a good time to introduce you to the Prudential Military Advantage Program.  This program is a great way for you to market your San Diego North County home.  Backed by the Rock Solid reputation of Prudential Financial, and the service and technology of Prudential California Realty, our new Military Advantage Program offers unique new benefits for military families on the move.

The Prudential Military Advantage Program is designed for listing & selling properties within 25 miles of a military base.  That covers just about everything in the San Diego North County real estate area as well as most other parts of San Diego.

Prudential Military Advantage benefits North County Buyers

Prudential California Realty North County buyers can now feel comfortable that the San Diego home they are purchasing through Gary Harmon and Prudential California Realty is a home that is:

  • Located within 25 miles of one of San Diego’s active military bases
  • Priced  within 5% of Fair Market Value
  • Protected by a one year Home Warranty policy

For military personnel on the move, the Prudential Military Advantage makes it easy for families that need to move quickly and with little hassle!

Prudential Military Advantage for North County Sellers

When you list your San Diego North County home with Gary Harmon and the Prudential Military Advantage Program you are able to reach North County military buyers that are ready, willing and able to move quickly!  The Prudential Military Advantage Program provides marketing tools to reach the special military market.  Tools that bring your North County property right to the San Diego buyer are:

  • Special yard sign riders that identify your North County home for sale as a Prudential Military Advantage property
  • Doorknob hangars with the Prudential Military Advantage logo
  • Special welcoming doormats identifying your property as a Military Advantage property
  • Special marketing brochures, targeted eCards, and much more for your Escondido home or other North County property.

To get the program started, just contact Gary Harmon, your North County Realtor 745-1220.  Gary Harmon has been selling real estate in North County for over 20 years and has put together a powerful team.  Gary Harmon’s Winning Team will help with all your North County real estate needs.

Ocean Hills – Things to Do

Last month we discussed  the great retirement community east of the Escondido real estate area of Ocean Hills Country Club.    This senior community for over 55 (55+) offers the best in active retirement living that San Diego County has to offer.   Ocean Hills is built around its own golf course and residents play for free.  That is, golf is included in the homeowners association dues.  There are also great tennis courts and a beautiful pool and clubhouse.

If you like indoor activities, Ocean Hills Country Club also offers numerous clubs.  (See links for Ocean Hills Clubs.)  Last month there were over 500 planned activities in Ocean Hills.  Don’t see what you want, start your own club.  Chances are there are other residents that will share you passion and interest.

To set up an appointment to see any of the Ocean Hills, 55+, Oceanside homes for sale,  contact Gary Harmon , your North County Realtor.  Get answers at Ocean Hills Country Club FAQ.   Two other great over 55 retirement communities of Oceanside homes are Emerald Lake Village and  just to the north of Highway 78, the very affordable over 55 community of Oceana CA homes.  If you want to see other areas, check out North County Homes for Over 55.

Memorial Day – Escondido Homes – BBQ Safety

May 31, 2010Memorial Day this year is May 31st.  Memorial Day is the day we remember those that have died serving in our Country and was declared a Federal Holiday in 1971.  We are especially respectful here in San Diego because of the large number of military personnel. 

 With Memorial Day coming up soon and the great weather we expect, many of us will be out in our back yards with family and firing up the BBQ.  It is a great way to start summer, but the followings tips can help us be safe.  Follow these tips to protect our Escondido homes and our families.

  1. Follow the directions in you grill manufactures safety manual about the right placement of the grill.
  2. Always know where your fire extinguisher is located. 
  3. Never squirt lighter fluid directly into an open flame.  The flame can flashback along the fuel path  to the container and to your hands.
  4. If it is a gas grill, always lite the grill with the lid up.    Make sure there are no gas smells.
  5. Regularly clean your grill to eliminate grease build up to control flare-ups.
  6. If it is a gas grill, inspect your grill to make sure the gas flow is not obstructed.  If LP gas, make sure the bottle has gas.

By taking a few simple steps you can keep your Escondido home safe and prevent anyone from getting hurt.  Have a great Memorial Day, and if you need  any Escondido real estate help this Spring-Summer, contact Gary Harmon, your Escondido Realtor.

Lake San Marcos Homes – Varadero (Continued)

Yesterday we discussed the great gated community in Lake San Marcos called Varadero.
Today we will take a deeper look into the various models that make up Varadero homes.

Varadero Homes Plan One

Plan 1 offers 2,481 square feet of spacious living. Residence One has three bedrooms plus den and three baths. The entry way of this beautiful single story, Lake San Marcos home is accented by a voluminous rotunda, which functionally provides access to the dining room, a large great room combined with a bright morning room and spacious kitchen. Also, just off the rotunda is the secluded master suite.  See Varadero Homes Residence One Floorplan.

Varadero Homes Plan Two

Plan 2 encompasses 2,835 square feet. This spacious single story San Marcos CA home is a three bedroom, two and one-half bath design with a porch entry that opens into a living room sharing its gracious openness with a dining room which can be formal or informal, depending on the occasion. An optional den is available in lieu of bedroom three. This home features a golf cart storage area along with its full sized two-car garage.  With two golf courses nearby, this extra garage gets lots of use.  See Varadero Homes Residence Two Floorplan.

Varadero Homes Plan Three

Plan 3, probably the best single story plan I have ever seen.  The living room in this Lake San Marcos home is the center point of Residence Three with all other rooms encircling it. Its spectacular entrance welcomes guests into 3,372 square feet of spacious elegance, highlighted by a voluminous ceiling. This single story residence offers three bedrooms with three and one-half baths and has the flexibility for an optional fourth bedroom.
See Varadero Homes Residence Three Floorplan.

Varadero Homes Plan Four

Plan 4 in Varadero at Lake San Marcos is an outstandingly dramatic two-story, four bedroom home with four and one-half baths spanning 3,915 square feet. Plan 4 is the only 2 story plan in the community and it has taken a real hard hit in price since the housing recession started.  An exquisite two-story rotunda entrance, tastefully accented by a breathtaking spiral staircase, invites guest into an uncommon residential experience of functionality, meticulously blended with livability. Sequestered on the ground level, the master bedroom suite offers the ultimate in privacy and seclusion, while all other bedrooms are on the second floor, including the bedroom four executive suite, which is equally impressive. This home also offers a formal front living room, with day-to-day family activities .  See Varadero Homes Residence Four Floorplan or go back to San Marcos CA Homes .  For more information on Varadero Homes, contact Gary Harmon a satisified Varadero resident and great San Marcos Realtor.

Lake San Marcos Homes – Varadero

Varadero Homes - Lake San Marcos HomesThe newest community in the Lake San Marcos homes area is the upscale community of Varadero Homes.   Varadero sits high on an emerald rolling hill in the southwest part of San Marcos and benefits from the cool ocean breezes.  Varadero is a gated community with prices from $675,000 to well over a million dollars.  Varadero homes have great views towards the ocean, San Elijo Hills, and Lake San Marcos.  Three of the four floorplans if of Varadero Homes are single level homes.  The spectacular Varadero residences range in size from 2481 to just over 3900 square feet.  See Varadero  amenities.

As you pass through the gated entryway, you will notice a beautiful pool, spa, clubhouse and recreational area to the left.  See viedo below.

To learn more about San Marcos CA homes for sale, Lake San Marcos homes, or Varadero Homes, contact Gary Harmon your top North County Realtor.

Escondido Homes May Market Summary

May Market ConditionsThe median price of Escondido Homes for Sale this May 2010 is $400,000.   The 623 Escondido properties have been on the market for an average of 148 days.  The Escondido real estate market is not sending a strong directional signal for the immediate future .  The Escondido homes for sale inventory and the days on the market have both been increasing slowly.   It is still an Escondido buyer’s market, and Escondido house prices have been weakening. How is the market in each Escondido home for sale areas?  Find out the answers to this and many more questions by Escondido zip codes. See how Escondido homes for sale compares by median price, list price per square foot, average days on the market, and more.  This website, tries to provide enough statistical information about North County real estate  to help you make an informed buying decision.  Use the numbers on this page and feel free to email or call Gary Harmon, your Prudential North County Realtor, to help you analyze the numbers presented. Get answers to what kind of home can you afford,  what size will it be, or how can you tell a good deal when you see it. 

Escondido Homes for Sale

Escondido Homes Market Summary  May 2010
Zip 92025
Zip 92026
Zip 92027
Median Asking Price
List Price per Square Foot for the Escondido property
Average Days on the Market for the Escondido home
Median Escondido Homes Size (sqft)  
Median # of Bedrooms in Escondido house
Median # of Baths in the Escondido properties

The median prices in Escondido homes for sale in the above table does not always give the whole picture.   It sometimes helps to look median prices broken down by quarters.  The following for Escondido homes is an average of all zip codes.  The median Escondido homes for sale price for the most expensive 25% of Escondido homes is $799,000.  The median price for the upper middle 25% is $485,000.  The lower middle median price for Escondido homes is $339,000 and the bottom 25% of Escondido/ homes for sale median price is $220,000.  For more information about Escondido homes for sale, contact Gary Harmon your Escondido Realtor and seasoned Escondido real estate agent.