When looking at newer homes in Southern California it's not uncommon to have an additional Mello Roos tax. Many don't understand how Mello Roos works but in essence is typically a 25 to 30 year old bond that is attached to home and is paid on a monthly basis. Homes that have Mellos Roos will also typically have an association fee that is paid on a monthly basis. Thus all of these fee's that need to be paid on top of your monthly mortgage payment can be a lot of money so many buyers elect to find properties that have no Mello Roos.
There are many neighborhoods in Oceanside that don't have Mello Roos. Normally older homes don't have any association dues or Mello Roos so those are pretty easy to locate. For those looking for newer construction homes
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