San Diego, Mission Hills and Hillcrest real estate and homes for sale in California - Chris Schell, REALTORS® Chris Schell REALTORS(r) for San Diego, Mission Hills and Hillcrest, California real estate - NUMBER1EXPERTS™ Chris Schell NUMBER1EXPERTS(tm) for San Diego, Mission Hills and Hillcrest, California real estate
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Chris Schell, REALTORŪ, real estate agent and broker for San Diego, Mission Hills and Hillcrest California home listings, property and land for sale - NUMBER1EXPERT(tm)

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Local Info: San Diego, Mission Hills and Hillcrest California home buying, real estate listings, and homes for sale in San Diego                      County, CA
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Torrey Pines Beach

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Welcome to San Diego, "America's Finest City"

San Diego is the most Southern city along the California coastline, situated along the coast of the Pacific Ocean and bordered to the South by Mexico. The county of San Diego encompasses approximately 4,225 square miles and is bordered to the North by Camp Pendleton and Orange County and to the East by the Anza-Borrego desert and El Centro. The geography of San Diego is extremely diverse, ranging from sun-drenched beaches to snow covered mountain ranges. Perhaps one of the most alluring qualities of San Diego is the year-round outstanding weather (generally between 58 and 87 degrees) and the diversity of outdoor environments all within a short drive from the city. The county of San Diego currently has 48 main townships outside the city limits and numerous sub-neighborhoods. San Diego County has a population of over 2,510,000 per 2000 U.S. Census statistics. For additional County community information, visit the links listed below.

The "City" of San Diego is well known throughout the country as one of the most picturesque. The city of San Diego has approximately 34 townships and numerous sub-neighborhoods within these geographically distinct neighborhoods and is the 6th most populous city in the US, with a population of over 1,300,000 per 2000 U.S. Census statistics. The city of San Diego is approximately 319.5 square miles.

San Diego Community Information

Here is just a short introduction and helpful links to some of the central and coastal communities of San Diego. These areas reflect the majority of my listings and sales in San Diego County. However, I maintain an ongoing market research and business relationship with all communities of the San Diego region. Check out my Local Map & Links page for an abundance of links to further City and County communities as well as the following useful categories:

Home price indexes and community prices
Mortgage Services/Credit Bureaus
Internet Home Buyer Resources
San Diego County Services
San Diego City Guides
San Diego Photos/Maps
San Diego Entertainment and Fun things to do
Home Inspections/Contractors
Home Improvement
Local Publications


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Downtown San Diego/San Diego Harbor

Downtown San Diego/San Diego Harbor has been undergoing dramatic changes over the last several years with over 25 new residential projects under construction or completed since the year 2000. This is in addition to the already flourishing urban residential district. The new downtown ballpark and Convention Center addition promises to bring many new homeowners and tourists into the downtown area. Since the 1970's, the marine district Redevelopment Project has resulted in one of the most dynamic and inviting urban residential environments in the U.S. For a detailed description of plans for the downtown area, visit the links below.





Middletown/Hillcrest/Banker's Hill

This is one of the most diverse and unique neighborhoods of San Diego. Comprised of primarily condominium and townhouse living and surrounded by communities of detached homes, I see a transition between the true city dweller and those looking for a "neighborhood" environment close to the city. The main attraction of this area is the convenience of entertainment, shopping, dining, fitness facilities and just about anything within walking distance of your home.




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Mission Hills

Mission Hills has continued over the years as one of the finest and most established neighborhoods in close proximity to the downtown area. Nestled in the hills and mesas adjacent to Presidio Park above San Diego's Old Town District, one is captivated by the beauty of this neighborhood, each home with its own unique and luxurious style. Everything from the California Bungaloo, to the Spanish Casita, to the multi-level Contemporary home, Mission Hills has it all! There is truly a feeling of elegance! The history of San Diego's elite is evident in many of these homes.





North Park/South Park/Golden Hill


Balboa Park Aviary

As their name describes, these communities border the North-Eastern and South-Eastern edges of Balboa Park. Homes in these areas have undergone a great deal of change in the last ten years, as those seeking to live close to the city yet find affordably median priced homes have found these communities more agreeable compared to the home values in such areas as Mission Hills and Point Loma. The homes here are typically of early to mid-1900's construction.




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University Heights/Normal Heights/Kensington/Talmadge


Stretching from the North West edge of Uptown towards the East, these communities are situated along the mesa at the top of the canyon along Mission Valley. Each of these neighborhoods has a diversity of people and environment all its own. The sister communities of Kensington and Talmadge are situated along canyons and mesas making the residential areas secluded and private. The homes in this area reflect the grandeur and uniqueness of the early to mid 1900's. Many of these homes have been restored completely to their original or enhanced beauty.




San Diego Central and North Coastal Community Information


Point Loma/Ocean Beach/ Loma Portal


Point Loma/Ocean Beach/ Loma Portal are located on the Western end of San Diego harbor and is a peninsula with San Diego Harbor to the East and the Pacific Ocean to the West. The lifestyle here is one of ease and elegance. Many of the homes reflect the diversity of construction in the early 1900's mixed with the many homes of new or contemporary years. Many of the residents of Point Loma enjoy either captivating views of the city skyline or ocean views to the North West. The history of Point Loma is described quite well in the neighborhood web site listed below.



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Coronado Island


Hotel Del Coronado

Not really an island, but attached by a long beach strip-the silver strand, Coronado is the home of the Navel Amphibious Base, but also to some of the most grand and prestigious homes of San Diego. The hotel Del Coronado is one of the most cherished historical landmarks of the city and has become a recognizable example for San Diego architecture of the early years. Coronado is reached from the city by the Coronado Bay Bridge crossing over the San Diego Harbor.





Mission Beach/Pacific Beach/Bay Park

Mission Beach/Pacific Beach/Bay Park are true "beach communities". From the extremely popular boardwalk and beaches to the vast activities of Mission Bay Park these communities are active all year long. There is never a dull moment for the "active" lifestyle. Visit a few of these links and immerse yourself in the fun of these as well as many of the other beach communities of San Diego!




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La Jolla

One of the most affluent communities of California and the U.S. is located about 15 minutes to the North in the coastal region of the city in one of the most captivatingly beautiful ocean view communities of California. La Jolla, meaning "the Jewel" in Spanish, is appropriate given the value of land and property and the exquisite beauty of the area. You will find some of the most beautiful homes and mansions among natural habitats and breath taking scenery. La Jolla has much to offer in cultural events, fine restaurants, art galleries, and financial institutions. To the North of La Jolla lies the University of California, Scripps Institute of Oceanography, and the Stephen Birch Aquarium/Museum. La Jolla/Torrey Pines/Carmel Valley areas are home to many of the biotech and software companies.





Del Mar


Situated directly to the North Coast above the La Jolla/Torrey Pines region, Del Mar means "By the Sea" and in fact is well known by its gorgeous views of the Pacific Ocean. Homes in this area are also grand and luxurious, taking full advantage of these incredible views! It is home to the well-known Del Mar Fair Grounds where you find the Southern California Expo and Horseracing activities throughout the year.




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The Historic Gaslamp District


Point Loma Cabrillo


Bird Rock

 

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Real Estate Tips
Financing Your Home >Mortgage Terms

New mortgage loan products offer a more complex selection of terms. Lenders now offer mortgages that are blends of short-term ARMs and 30-year fixed-rate loans with a lower fixed-rate of interest for a period of five, seven or ten years. Be sure that you understand what happens at the end of the initial term before you sign on the dotted line for such a loan.

Many of these loans revert to a 1-year adjustable rate loan at the end of the initial term and can be adjusted once a year based on an index tied to the cost of money. You should know how much over the index your rate will be set and the limit or cap on how much your payments can increase. A "balloon" note requires the entire balance to be paid to the lender after the initial period of the loan ends. Most of these loans require the lender to guarantee to refinance the note at that point if payments have been timely. The lender should spell out how the re-finance rate will be determined and what costs will be involved. These loans can help you buy a more expensive house than you could afford with a 30-year fixed rate mortgage, but be sure that you understand the terms and the potential risks.

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Real Estate Trivia
Q 
What area was designed to look like a 1940s southeastern town with traditional architecture?

A 
Disney's "Celebration" in Orlando, FL, will eventually have 8,000 houses and many commercial tourist attractions.
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Chris Schell, REALTORŪ, real estate agent and broker for San Diego, Mission Hills and Hillcrest California home listings, property and land for sale - NUMBER1EXPERT(tm)

Chris Schell
Ascent Real Estate, Inc, Inc

410 Kalmia Street
San Diego, California 92101
DIRECT: (619) 316-1177
Business Phone: (619) 325-4118
Fax: (619) 342-1077
Email: CTSCHELL@cox.net

Chris Schell is a leading real estate professional within the San Diego metropolitan community. He attributes much of his success to keeping current with the latest technology, 15+ years of professional experience, knowledge of the market place, extensive advertising,and most importantly the personal care given to each and every buyer and seller. Call or email us today!

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