Senior Downsizing Real Estate Agent in Fullerton, CA

Paula Aragone represents owners aged 55 and over selling a Fullerton house that has been added to for the better part of eighty years, usually by three sets of hands including the seller's own, where the permit record and the improvement record decide two different numbers.

The short answer

Fullerton is the old city, and its houses show it. A pre war bungalow or a 1950s tract house that has been altered by three owners across eighty years carries two separate records that both matter at sale: what the city permitted, which decides the disclosure, and what was actually spent, which decides the tax. If you are 55 or over, Proposition 19 carries your base year value to the next house. Section 121 will not carry the gain.

Fullerton senior downsizing, key facts
What Proposition 19 movesThe factored base year value, to a replacement anywhere in California
How many timesThree. Under Propositions 60 and 90 it was one, and one only.
Both clocksTwo years to buy or build, three years to file the claim
The exclusion that has not moved250,000 dollars single, 500,000 dollars joint, unchanged since 1997
The Fullerton filePermit records sit in Laserfiche, in EasyDev, and with the City Clerk
The Fullerton dateThe city adopted the 2025 fire hazard severity zones on 6 May 2025
23+
Years in Orange County
900+
Transactions
$900M+
Sold
CPRES
Certified
SRES
Certified
The Fullerton variable

The House Was Added To for Eighty Years. Two Records Say What That Cost.


Fullerton is the only one of these cities where a buyer can choose an era, and the only one where a seller is routinely disclosing work they did themselves thirty years ago. The city's file and the family's file answer different questions.

The city was founded in 1887, named after George H. Fullerton of the Pacific Land and Improvement Company, and incorporated on 15 February 1904 across 22.44 square miles. Its eras are legible in the housing: agricultural through the 1920s, an oil boom in the 1920s to 1940s that left Spanish Colonial Revival behind it, postwar expansion as veterans settled, the permanent state university campus between 1957 and 1963, and Amerige Heights built from 2001 to 2004 on the former Hughes Aircraft site. It is the only one of the north county cities with a substantial pre war stock, and that single fact drives its inspection profile.

The order in which things cost money here is specific. Knob and tube wiring in the pre war layer comes first, and it separates Fullerton from its neighbours. Then aluminium branch circuit wiring in the 1965 to mid 1970s tracts, where installation peaked and pre 1972 homes carry materially higher risk than copper, with failing connections that seldom give detectable warning. Then galvanised supply piping, endemic before 1960 and the usual cause of a low pressure complaint that becomes a repipe credit. Then cast iron drains, Federal Pacific and Zinsco panels, polybutylene in the late 1970s through 1990s infill, and asbestos era materials in anything pre 1980.

Two more items belong to the old stock rather than to any one tract. Lead paint applies to everything built before 1978 and carries a federal disclosure obligation on top of the state package. And raised foundations with crawl spaces bring their own list: subarea moisture, joists cut or notched for a plumbing run somebody added in the 1960s, and ventilation that was adequate for a smaller house. None of this is a reason not to sell. All of it is a reason to know before a buyer's inspector does.

The second record is the one the family holds, and it decides the tax rather than the disclosure. Adjusted basis is original cost, plus purchase costs including legal fees for the title search and for preparing the contract and deed, plus transfer or stamp taxes, plus capital improvements, less depreciation and certain credits. Additions, a new roof and HVAC systems qualify. Painting inside or out, fixing leaks and filling holes or cracks do not, ever. An improvement later removed or replaced has to have its remaining basis backed out, which surprises the people who kept everything.

Selling costs, meaning commission, escrow, title and transfer tax on the sale, reduce the amount realised, which has the same effect as adding to basis. Against a section 121 exclusion frozen at 250,000 dollars and 500,000 dollars since 1997, a documented accumulation of capital improvements is one of the few levers left. On a house where the gain runs into seven figures it is worth real tax, and the receipts are almost never kept. That is why the basis search has to happen before the clearing, not during it.

There is one situation where the whole problem can change shape, and it depends on how title was held. Under IRC 1014(b)(6), when the first spouse of a married couple dies, both halves of community property take a new basis at the date of death value rather than only the decedent's half. For a widow or widower in a long held Fullerton house that can erase decades of appreciation for income tax purposes, and the date of death appraisal is the document that protects it. Separately, under IRC 121(b)(4), a survivor may still use the full 500,000 dollar limit if the sale occurs no later than two years after the death, the section 121(b)(2)(A) requirements were met immediately before it, and the survivor has not remarried by the sale date.

How this runs

Selling a Long Held Fullerton House and Buying the Next One


Nine steps in the order that keeps the tax work ahead of the listing work. Two of them are archival rather than physical, and those two are usually worth more than everything done with a paintbrush.

01

Check the age test, the title and the count

The claimant must be at least 55 on the date the original sells, and Proposition 19 allows up to three transfers where the old law allowed one. Only one spouse needs to meet the age test, provided that spouse is on title to the original when it sells and to the replacement when it is bought. Ask the assessor how a married couple is counted against the three.

02

Reconstruct eighty years of adjusted basis

Adjusted basis is original cost plus purchase costs plus capital improvements, less depreciation and certain credits. Room additions, a new roof and HVAC systems add to it. Painting inside or out, fixing leaks and filling holes or cracks never do, and an improvement later removed or replaced has its remaining basis backed out. Start this before the clearing starts, because the receipts go in the first skip.

03

Model the section 121 position against that basis

The exclusion is 250,000 dollars single and 500,000 dollars on a joint return, and needs ownership and use as a principal residence for periods totalling 24 months inside the five years ending on the sale, with no other section 121 exclusion in the previous two years. On a Fullerton house bought in the 1970s or earlier the gain routinely runs several times past it.

04

Choose which transaction goes first, then hold to it

Selling first and buying inside the following year sets the adjusted full cash value of the original at 105 percent, and 110 percent in the second year. Buying first drops the factor to 100 percent and starts a period of tax on the replacement at full market value that is never refunded. The two panels below set out what each route actually costs.

05

Pull the permit file before you decide what to disclose

Fullerton has the best records of the north county cities and there is no excuse for guessing. Building and Safety records sit in a Laserfiche portal, permit applications and status in the EasyDev self service system, and anything neither holds comes through a public records request to the City Clerk. Building and Safety is on the second floor at 303 West Commonwealth Avenue.

06

Clear a house that three generations have filled

Set dates for what goes to the replacement, what goes to family, what is sold and what is discarded, and begin with the rooms that stopped being used first. In a raised foundation house the crawl space and the attic hold more than anyone remembers, and in a garage that became a bedroom in 1978 the paperwork for that conversion may be the only copy in existence.

07

Repair to insurability, not to fashion

Knob and tube wiring in the pre war layer is an insurability problem before it is a safety problem, because carriers decline or surcharge and a buyer's lender may require remediation. Aluminium branch circuits, Federal Pacific and Zinsco panels, galvanised supply and cast iron drains sit behind it. Fix what stops a loan or a policy. Disclose the rest rather than covering it.

08

Market it as the era it is, then close

A downtown adjacent bungalow, a Sunny Hills estate parcel and an Amerige Heights build from 2003 have nothing in common in inspection profile, district or buyer pool, and pricing them as one city is how a listing gets mispositioned. At closing the state withholds 3 and one third percent of the sales price by default, with a principal residence exemption claimed on Forms 593 and 593-V.

09

Claim the transfer where the new house is, inside three years

The claim goes to the assessor of the county in which the replacement property is located, not the county of the original, and it is due within three years of the purchase or of completion of new construction. Filed later, relief starts with the calendar year of filing and the intervening years are never refunded. Put the date in a diary at the replacement's closing table.

Where we work

Fullerton Is Not One Market, and a Downsizer Feels the Difference


Era, foundation type, lot size and school district all change from one part of this city to the next. So does the size of the job of leaving the house.

Raymond Hills

Older estate hillside east of Harbor, winding streets and custom homes on irregular lots. The most architecturally varied part of Fullerton, which means the valuation is built house by house rather than from the street.

Sunny Hills

Large lot and rolling, the postwar prestige address, with Sunny Hills High School on 42 acres at 1801 Lancer Way. Generous grounds are the usual reason an owner here starts thinking about the next house.

Golden Hills

1940s and 1950s, a tighter grid than Sunny Hills with mature street trees and a strong neighbourhood identity. Old enough that galvanised supply and cast iron drains are the expected findings rather than the surprising ones.

Las Palmas

Close to downtown, period revival and early ranch on small to moderate lots. Walkability is a genuine asset for an owner who wants to stop driving everywhere, and it is worth saying so plainly in the marketing.

Muckenthaler area

The hill around the Muckenthaler Cultural Center, an eighteen room Spanish Colonial Revival house built in 1925 on 8.5 acres, given to the city in 1965 and listed on the National Register of Historic Places in 1999.

Downtown Fullerton

The historic commercial core, walkable and mixed use. Noise and parking are the live diligence questions, and they cut both ways for a downsizer who is weighing walkability against quiet.

SOCO, South of Commonwealth

The entertainment district. For adjacent residential property this is a sound and late hours conversation that belongs in the disclosure rather than in the buyer's first Saturday night.

Presidential Tract

Postwar tract with presidentially named streets and consistent single storey ranch stock. Single level is the reason this pocket comes up so often when the stairs are what started the conversation.

Rolling Hills

Postwar with gentle topography, named after its elementary school. Consistent product and a deep buyer pool, which usually shortens the marketing side of the timeline rather than the paperwork side.

Hermosa Drive and Laguna Road area

Named for their elementary schools, older established residential with strong district loyalty. Buyers come here for the schools, which means they are moving up as the seller is moving down.

Fullerton Creek

Follows the creek corridor, where drainage, culvert and flood questions are the recurring diligence items and the natural hazard report needs reading rather than filing.

Bastanchury area

The former Bastanchury Ranch lands with Bastanchury Road as the spine, mixed eras from postwar through the 1980s. Era varies street by street, so the inspection profile does too.

Coyote Hills

Ridge and slope product on the north west edge, next to the unresolved West Coyote Hills land use question. Hillside parcels here are the ones to check against the 2025 fire hazard severity zone map.

Amerige Heights

Built from 2001 to 2004 on the former Hughes Aircraft site, the newest large tract in the city, association governed with its own commercial centre. This is where special tax and association structures are most likely to be live.

What it actually costs

Six Fullerton Findings That Change the Arithmetic of Leaving

Fullerton, California

None of these are about demand. Each is a record that was not pulled, or a number that nobody put on a page until it was too late to act on it.

Knob and tube in the attic ended the loan, not the inspection

In the pre war stock this is the item that separates Fullerton from its neighbours, and it is an insurability problem before it is a safety problem. Carriers decline or surcharge, and a buyer's lender may require remediation as a condition of funding. A sale can be fully agreed and still stop here.

Any Fullerton house from before roughly 1950 needs the attic and the subarea opened and looked at before it is listed, not after an offer. Knowing what is up there decides three separate things: whether to remediate, how to price, and which buyers to expect. Finding out in escrow decides none of them, it only shortens the time available.

The permit record is in three systems and one of them is a counter

Fullerton keeps Building and Safety records in a Laserfiche portal, permit applications and their status in the EasyDev self service system, and anything neither holds comes only through a public records request to the City Clerk. Building and Safety sits on the second floor of City Hall at 303 West Commonwealth Avenue, with a general line and a separate inspection line.

The consequence for an eighty year old house is that a single search proves nothing. Garages became bedrooms and porches became rooms across three generations of owners, and the incidence of unpermitted work in this stock is very high. Search all three, and where a permit genuinely does not exist, disclose that rather than describing the room by what it is used for.

Eighty years of improvements and not one receipt survived

Room additions, a new roof and HVAC systems add to basis. Painting inside or out, fixing leaks and filling holes or cracks never do. An improvement later removed or replaced has its remaining basis backed out. On a house where the gain runs well past the section 121 exclusion, a documented accumulation of capital improvements is worth real money at the return.

The receipts are almost never kept, and when they are, they are in the house being cleared. That is the whole argument for running the basis search before the contents are touched, and for telling the family early rather than at the listing appointment, when the boxes have already gone.

The hillside classification changed on 6 May 2025

The Fullerton City Council adopted the updated 2025 fire hazard severity zone classifications on 6 May 2025, incorporating them into Fullerton Municipal Code 13.19. Properties fall into Moderate, High or Very High. The city publishes an interactive map searchable by address, zone by zone clearance requirements, an annual self inspection checklist and a home insurance guide, and it runs its own fire department rather than sitting under the Orange County Fire Authority.

A hillside property in Coyote Hills, Raymond Hills, Sunny Hills or along the northern ridge may now carry a designation it did not carry in 2024. High or Very High brings the Civil Code 1102.6f fire hardening disclosure on homes built before 1 January 2010, including the retrofit list added on 1 July 2025, and Civil Code 1102.19 defensible space documentation. Run the city's address search before listing, and do not assume flat Fullerton is unaffected without checking.

Escrow withheld from the proceeds because nobody claimed the exemption

California withholds at closing by default. FTB Publication 1016 sets the default at 3 and one third percent of the sales price, with an exemption for a principal residence qualifying under IRC section 121 and a separate exemption where the total sales price is 100,000 dollars or less, both claimed on Forms 593 and 593-V.

The exemption is claimed, not granted automatically. A seller who does not claim it lends the state a substantial sum until the return is filed, which is money that was earmarked for the replacement purchase. Raise it with the escrow officer at the start of the escrow, not at signing.

The person emptying the house is the person who built half of it

This is the honest difficulty here, and it is different from the tax problems because no form fixes it. In Fullerton the seller is very often the one who added the back room, wired the workshop, poured the patio and planted the trees. Dismantling that is slow, and it is slow in a way that has nothing to do with how many boxes there are.

The two year Proposition 19 window is generous until it is spent this way. Booking the packing help before the listing appointment rather than after an offer is the single scheduling change that keeps the rest intact, and setting dates room by room turns an open ended job into a finite one.

The decision

The Old House Sells First, or the Small One Is Bought First


Both orders qualify, because the two year window runs in either direction. What separates them is a percentage factor, a period of unrefunded tax, and how much moving a household twice is worth avoiding.

Sell first, then buy

This is the order the statute rewards. Sell the Fullerton house, buy the replacement inside the first year after, and the adjusted full cash value of the original is computed at 105 percent, or 110 percent for a purchase in the second year. That cushion only matters where the replacement costs more, and for a downsizer it often does not, which is the pleasant surprise in this section.

Take the case of an original with a full cash value of 1,500,000 dollars and a factored base year value of 200,000 dollars, with a replacement bought eight months after the sale for 900,000 dollars. The adjusted full cash value of the original is 1,575,000 dollars. The replacement is worth less than that, so the full 200,000 dollar base year value transfers and the taxable value of the new house is 200,000 dollars rather than 900,000. Nothing is added at all.

Financially it is the cleaner route. Proceeds are in hand, there is no bridge borrowing, no second mortgage payment and no stretch of carrying an empty pre war house that still needs insuring and maintaining. For an owner on a fixed income that is not a footnote. For a Medi-Cal beneficiary the sequencing question is different again and belongs with a California elder law attorney before anything is listed.

The honest downside is that you have to live somewhere in between. Selling first without a replacement identified means a rental, a family spare room, or an offer written under pressure with the two year clock already running. Two moves rather than one is real work at any age, and in a house with a crawl space, an attic and eighty years of contents it is a great deal of work.

Buy first, then sell

This qualifies. The Board of Equalization is explicit that as long as one transaction occurs on or after 1 April 2021 and the original is sold within two years of the purchase of the replacement, the base year value transfers. For an owner who wants to be settled before a Fullerton house goes through an inspection period, that is worth something on its own.

It costs two things. The value factor drops to 100 percent, so on a 1,000,000 dollar original the gap between a 100 percent and a 105 percent factor is 50,000 dollars of assessed value carried for as long as the replacement is owned, roughly 500 to 600 dollars a year at a typical Orange County rate. And the replacement is taxed at full fair market value from the date of purchase until the original sells, with no refund for that period.

The worked case: an original with a full cash value of 1,200,000 dollars and a factored base year value of 180,000 dollars, and a replacement bought before the sale for 1,400,000 dollars. The factor is 100 percent, so the adjusted full cash value of the original stays at 1,200,000 dollars, the excess is 200,000 dollars, and the new taxable value is 380,000 dollars in place of 1,400,000.

The honest downside is financing, and in Fullerton it has a specific edge. Buying first usually means qualifying while still carrying the old house, and the original must actually sell and be reassessed to market for the transfer to happen. Vacating it is not enough. If knob and tube, a permit gap or a repipe stretches the marketing period past two years from the purchase, the relief is gone rather than reduced.

Why this office

Eighty Years of Work on One House, and Somebody Has to Reconstruct It


Paula Aragone has worked Orange County transactions for 23 years, across 900+ transactions and $900M+ sold, and she came to it after four years of law school. She holds the CPRES and SRES designations. SRES is the Seniors Real Estate Specialist credential from the National Association of Realtors, for agents working with clients aged 50 and over, and it exists because this transaction is not shaped like an ordinary listing.

In Fullerton the work is archival before it is anything else. Two records have to be built: the city's, from the Laserfiche portal, the EasyDev system and where necessary a public records request, which decides what is disclosed and what a buyer's lender will accept; and the family's, from receipts, contracts and cancelled cheques, which decides the taxable gain. Neither is produced by staging, and both take longer than the marketing period allows if they are started late.

The arithmetic is why it is worth the trouble. Filing BOE-19-B inside three years rather than in year four, holding a 105 percent factor rather than a 100 percent factor, and carrying a documented improvement history rather than an estimate are each worth more on a house bought in the 1970s than anything decided about paint colour. Those decisions are made months before a listing agreement exists, which is the point at which most agents are not yet in the room.

The reader of this page is frequently not the owner. Adult children arrive with a spreadsheet and a deadline, and the owner arrives with eighty years of a building the spreadsheet does not describe. Both are right about different things. Nothing here is tax or legal advice: confirm the Proposition 19 figures with the Orange County Assessor, the section 121 position with a CPA, and anything touching Medi-Cal eligibility with a California elder law attorney, because eligibility, transfer penalties and share of cost are legal work.

Questions

Downsizing From a Long Held Fullerton House, Answered


The questions owners over 55 ask about a house their family has held for decades, answered for California law and for this city's building stock.

There is knob and tube wiring in the attic. Do we have to rewire before we sell?

Not necessarily, but you have to know the answer before you list. In the pre war Fullerton stock this is an insurability problem before it is a safety problem: carriers decline or surcharge it, and a buyer's lender may require remediation as a funding condition. Open the attic and the subarea first, then decide whether to remediate, to price for it, or to market to a buyer paying cash. What is not an option is finding out during an inspection period, when the choice narrows to whatever can be done in ten days.

Where do we find the permit history for work done in the 1970s?

In three places, and a single search proves nothing. Building and Safety records sit in a Laserfiche portal, permit applications and their status sit in the EasyDev self service system, and anything neither holds comes through a public records request to the City Clerk. Building and Safety is on the second floor of City Hall at 303 West Commonwealth Avenue, with a general line and a separate inspection line. Where a permit genuinely does not exist, disclose that rather than describing the space by the use it has been put to.

Which school district serves the house, and does it matter if we are selling?

It matters because it sets the buyer pool. Six school systems serve parts of Fullerton: La Habra City, Buena Park, Fullerton School District, Brea Olinda Unified, Placentia Yorba Linda Unified and Fullerton Joint Union High School District. Fullerton School District is kindergarten through eighth grade with students moving to the high school district afterwards. The trap is east Fullerton: El Dorado High School, a PYLUSD school in Placentia, serves the far eastern section of the city east of the 57 freeway. Verify by address rather than from the tract name.

We are near the airport. Does that have to come up?

It is better named first than found on a Saturday morning. Fullerton Municipal Airport occupies 86 acres in the south western corner of the city on Commonwealth Avenue, north east of the junction of Interstate 5 and State Route 91, and has been owned and operated by the City of Fullerton since January 1941. The control tower averages 262 operations daily and the airport and its industrial park are surrounded by residential areas. Overflight and noise are a genuine diligence item in south west Fullerton, and a buyer will discover it either way.

What is going on with West Coyote Hills, and does it affect a sale nearby?

It affects how you describe the neighbouring land. West Coyote Hills was a major oil field dating back to 1890 and is a 510 acre ridge, the largest remaining tract of undeveloped land in north Orange County. Pacific Coast Homes, a Chevron subsidiary, proposed developing 179 acres while donating 352 acres as the Robert E. Ward Nature Preserve. Fullerton voters approved Measure W in 2012 to prevent development, litigation over its interpretation has continued, and the city bought an eastern portion in 2021 with state funds. Describe the adjacent land use as unsettled, not as permanent open space.

Did Fullerton adopt the new fire hazard severity zone maps?

Yes, on 6 May 2025, incorporated into Fullerton Municipal Code 13.19. Properties fall into Moderate, High or Very High, and because Senate Bill 63 requires local agencies to adopt all three classes in the Local Responsibility Area, parcels that carried no designation before can carry one now. Fullerton runs its own fire department, over 115 years old, and publishes an interactive map searchable by address, zone by zone clearance requirements and an annual self inspection checklist. Run the address search before listing any hillside property, and do not assume the flat parts are exempt without checking.

The house has galvanised pipes and an old panel. What is worth fixing?

Fix what stops a loan or a policy, and disclose the rest. Galvanised supply piping is endemic in the pre 1960 stock and is the usual cause of a low pressure complaint that becomes a repipe credit. Cast iron drains from the same era are worth putting a camera through before listing. Federal Pacific Stab Lok and Zinsco panels are routine inspector callouts and a common carrier objection. Aluminium branch circuits in the 1965 to mid 1970s tracts have three permanent repairs accepted by the Consumer Product Safety Commission: full replacement with copper, COPALUM crimp connectors, or AlumiConn connectors.

Do we have to replace the old plumbing fixtures before selling?

The replacement deadline has already passed, and what remains is a disclosure duty. Under Civil Code 1101.4, noncompliant plumbing fixtures in single family homes were to be replaced by 1 January 2017, and on any permitted alteration or improvement replacing the remaining noncompliant fixtures is a condition of the certificate of final completion. The seller must disclose in writing both the requirement and whether the property still contains noncompliant fixtures. This bites harder in Fullerton than in the newer cities simply because the fixture population is older.

The house predates 1978. Is there anything beyond the state disclosures?

Yes. Lead paint applies to everything built before 1978 and carries a federal disclosure obligation that sits on top of the California package. Asbestos era materials appear in anything pre 1980: popcorn ceiling texture, resilient flooring and mastic, duct wrap and roofing felt. Neither is a reason not to sell and neither has to be remediated to close. Both have to be disclosed, and both are better identified before an offer than during a buyer's inspection period, when they arrive as a renegotiation rather than as information.

Which of eighty years of work actually reduces the tax?

Capital improvements do. Room additions, a new roof and HVAC systems are the standard examples, and purchase side costs such as legal fees for the title search and for preparing the contract and deed, plus transfer or stamp taxes, add to basis as well. Ordinary repairs and maintenance never do, which specifically includes painting inside or out, fixing leaks, and filling holes or cracks. An improvement that was later removed or replaced has its remaining basis backed out. Selling costs reduce the amount realised, which has the same effect as adding to basis.

We lost my husband last year. Does that change the exclusion we can use?

It changes two things and both carry clocks. Under IRC 121(b)(4) a surviving spouse may use the full 500,000 dollar exclusion if the sale occurs no later than two years after the date of death, the section 121(b)(2)(A) requirements were met immediately before the death, and the survivor has not remarried by the date of sale. Sell in month 23 and the limit is 500,000 dollars. Sell in month 25 and it is 250,000 dollars. Separately, if the house was community property, IRC 1014(b)(6) gave both halves a new basis at the date of death value. The date of death appraisal is what protects that.

Will escrow hold back part of the proceeds?

By default, yes. FTB Publication 1016 sets withholding at 3 and one third percent of the sales price, with an exemption where the property is a principal residence qualifying under IRC section 121 and another where the total sales price is 100,000 dollars or less. Both are claimed on Forms 593 and 593-V, and claimed is the operative word: it is not applied automatically. A seller who misses it lends the state a large sum until the return is filed, which is usually money that was allocated to the replacement purchase.

Can we move to a different county and keep the tax base?

Yes, anywhere in California. That is one of the three big changes Proposition 19 made. Under Proposition 60 the transfer worked only inside the same county, and under Proposition 90 only into a county that had adopted an authorising ordinance, of which there were ten as of November 2018. County ordinances and reciprocity lists are now irrelevant. What still applies is that both properties must be primary residences eligible for the homeowners' exemption or the disabled veterans' exemption, and that the claim is filed with the assessor of the county where the replacement sits.

Is there Mello Roos on a Fullerton house?

Most of the older Fullerton tracts predate Mello Roos entirely. Amerige Heights, built from 2001 to 2004, is where special tax and association structures are most likely to be live. Regardless of era, Civil Code 1102.6b requires the seller to make a good faith effort to obtain a disclosure notice from each levying agency and deliver it, covering Mello Roos special taxes, Improvement Bond Act of 1915 assessments and contractual assessments. That last category captures PACE liens, which are a recurring surprise on older Fullerton houses that financed solar or HVAC.

Is there a way to stop paying property tax while we work out what to do?

There is a postponement programme rather than an exemption. The State Controller's Property Tax Postponement programme requires the claimant to be at least 62, or blind, or disabled, to own and occupy the home as a principal residence, to hold at least 40 percent equity, to have no reverse mortgage, and to have total household income at or below 55,181 dollars as defined in Revenue and Taxation Code 20503. Interest runs at 5 percent a year, a lien is recorded, and only current year taxes are eligible. Applications run 1 October to 10 February. Confirm the current income figure with the State Controller's Office.

We are considering a 55 and over community. What does that actually guarantee?

Less than most people assume. Under 24 CFR 100.305 a housing for older persons community relying on the 55 and over exemption must have at least 80 percent of its occupied units occupied by at least one person aged 55 or older, and under 24 CFR 100.307 it must verify occupant ages at least once every two years through reliable documentation. That 80 percent is a community level test, not a promise about any individual unit, and what a community permits for a younger spouse, an adult child or a live in carer is in its own governing documents. Read them before writing an offer.

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Start With the Permit File and the Basis, Not the Paint


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If you are 55 or over and leaving a Fullerton house your family has held for decades, the first meeting is about two records and two deadlines. Call or text, and bring whatever paperwork the house has kept, however disorganised it is.

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