Uncategorized

August 31, 2026
Rebuilt custom home on a hillside lot in Napa California with defensible space landscaping and clear access road

What Losing My Home to Fire Taught Me About Insuring and Building in High Fire Risk California

Fire insurance in high risk California real estate has changed fast. Scott Union lost his own home to fire and explains what buyers here need to budget for now.
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August 31, 2026
Construction crew framing a custom home with cranes and building materials on site in Southern California

Why Your Contractor’s Bid Just Doubled: What a Regional Fire Does to Construction Pricing

Construction bid prices after a wildfire can double or triple almost overnight. Scott Union explains why, and what it means for building near San Diego right now.
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August 31, 2026

The Rancho Santa Fe Art Jury Now Wants Finished Plans Before It Will Even Look At You

The Rancho Santa Fe Art Jury approval process now requires finished working drawings before it will review a project. Scott Union explains what changed and why.
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August 31, 2026

What a Five Thousand Dollar Landscaping Bill Taught Me About Buying in Rancho Santa Fe

The cost of owning a home in Rancho Santa Fe is not the mortgage. Scott Union breaks down water, landscaping, and the acreage nobody prices before closing.
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August 31, 2026

How the Mills Act Cut One Rancho Santa Fe Property Tax Bill From Thirty Thousand Dollars to Five Thousand

Mills Act property tax savings in San Diego can be substantial. Scott Union explains historic designation risk, the tradeoff, and where these homes hide.
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August 31, 2026

Why I Now Tell Clients to Buy a Four Thousand Foot House Instead of Building One

The cost to build a custom home in San Diego now exceeds a thousand dollars a foot. Scott Union explains why gutting an existing house often wins on price.
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