What is Mello-Roos?

Grace Caddell

Mello-roos is not a term most homeowners are familiar with.  Perhaps because your home was built prior to 1982 and is in an already established community.  

Mello-roos is a special assessment created in California to finance infrastructure and services. It permits local county and city government or school districts to sell bonds in order to finance such improvements to police and fire services, schools, parks and other facilities in the community. In 1982 Mello-roos became a state law and is viewed as a way to bypass proposition 13, a law that was enacted in 1978

There are many areas in San Diego that have mello-roos. The one most familiar to all is Eastlake in Chula Vista.  The infrastructure, schools and parks in the community were possible with the mello-roos special assessment tax.  This additional assessment can be found on your tax bill and may be referenced as Community Facilities District (CFD). Mello-roos assessments vary dramatically and remain on the property anywhere from 20 to 40 years. 

There are pros and cons to mello-roos tax.  Before purchasing a home ask your realtor if the property has a mello-roos tax.

If you would like more information on mello-roos tax please feel free to call more at 619-726-1925.

Grace Caddell

Grace Caddell

Realtor/Broker Associate

In taking every measure to help her clients successfully accomplish their personal real estate goals, Grace Caddell exhibits genuine care, dedication and professionalism. As a co-principal of Team Lyle and Grace, Grace together with her husband Lyle constantly orchestrate the most rewarding real estate experience possible. Known for her intimate knowledge of the Greater San Diego real estate market and valued counsel and expertise in the Acquisition and Marketing of Residential, Luxury and Investment Properties, Grace’s inspired passion and love for her clients is very present as she caringly ensures that each client receives a truly exceptional real estate experience.
Grace excels at providing insightful guidance and marketing strategies that produce results. When working with sellers, she creates a highlighted and impactful presentation that utilize professionally produced photography and refined staging services together with a presentation in print and on numerous internet sites. Her skill in staging each listing to make it shine with the appropriate colors, appointments and décor and stand out from the competition is impressive. In working with buyers, Grace carefully listens and takes the time to educate them on current market conditions as well as evaluate and prioritize their goals so that she may find a residence and distinguished setting that meets their lifestyle requirements. As a multilingual agent, she is fluent in English and Spanish.

Grace’s clients enjoy her personal touches and appreciate her genuine, deep commitment and heartfelt care and compassion that she clearly exhibits in every interaction. It is truly her joy to ultimately fulfill their request throughout the transaction and graciously serve them. She is a connector who cherishes the rich and personal interaction of bringing people and the community together.

With Grace, it’s just as much about building the relationships with her valued clients as it is delivering on the right property.
Her clients truly appreciate her efforts on their behalf and value the friendship that continues well after the keys exchange hands. Expressing her gratitude and desire to give back, Grace allocates a percentage from each of her transactions and contributes to The EP Save A Life Foundation.

Contact Grace to serve you and your personal real estate interests.


Lyle and Grace Caddell in collaboration with their select group of professional team members are local experts who excel at delivering an unprecedented depth of real estate expertise.

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