HomeDex - North San Diego County Association of REALTORS
Transcription
HomeDex - North San Diego County Association of REALTORS
PLEASE READ The name HomeDex™ and its contents are protected under a trademark and copyright held by the North San Diego County Association of Realtors® (NSDCAR). Permission is granted to NSDCAR members to use the HomeDex™ name and/or its contents in any printed materials, website or other media applications – provided any and all attribution for the HomeDex™ name and its contents is given to the North San Diego County Association of Realtors®. Failure to do so will result in revoking permission to use the HomeDex™ name and/or its contents Direct written requests for permission, together with a brief description of how the name and contents would be used, to Lynn Sullivan, NSDCAR Communications Director, at [email protected] and include the proposed user’s contact information. HomeDex™ is prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D., California State University, San Marcos. Questions may be directed to Dr. Brown at [email protected]; phone # (760)750-4196 or to NSDCAR Communications Director, Lynn Sullivan, at [email protected]; phone # (760) 734-3971. Data source: Sandicor, Inc. Statistics obtained from MLS data. ® Copyright North San Diego County Association of REALTORS , 2014. No portion of this text may be reproduced, redistributed, faxed OR TRANSMITTED ELECTRONICALLY without the written ® permission of the North San Diego County Association of REALTORS . HomeDex® Key Points July 2015 Data 1. The median price for all North County home sales – attached and detached – increased to $549,000 in July 2015 compared to $541,000 in June 2015. a. Detached homes in North County increased 1.63 percent in July to $625,000, compared to $615,000 in June 2015. Year-over median SFD price increased 3.73 percent, compared to $602,500 reported in July 2014. i. b. Attached home prices in North County decreased 3.82 percent to $375,000 in July 2015 compared to $389,900 in June 2015. Year-over SFA North San Diego County median price increased 4.68 percent, compared to $358,250 in July 2014. i. c. Detached home prices OUTSIDE North County decreased 0.64 percent to $497,500 in July 2015 compared to $500,725 in June 2015. Year-over non-North County median price increased 6.08 percent compared to $469,000 in July 2014. Non-North County attached home prices decreased 3.38 percent to $328,500 in July 2015 compared to $340,000 in June 2015. Year-over non-North County SFA median price increased 4.29 percent, compared to 315,000 in July 2014. The number of North San Diego SFD listings (active and contingent) increased 6.81 percent in July 2015 compared to June 2015, and decreased 5.47 percent year-over compared to July 2014. The number of sold North San Diego County SFD units decreased 0.18 percent in July 2015 compared to June 2015. Year-over sold SFD units jumped 36.41 percent compared to July 2014. i. d. Median days-on-market for single-family detached homes sold in North County increased to 18 days in July 2015 compared to 17 days in June 2015. The HomeDex affordability percentage for all homes in North San Diego County – attached and detached decreased to 31 percent in July 2015 compared to 32 percent June. HomeDex® is produced by the North San Diego County Association of REALTORS®. No portion of this text may be reproduced, redistributed, faxed or transmitted electronically without the written permission of the North San Diego County Association of REALTORS® North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes Single-Family Detached Home Prices • The median price for all homes in North San Diego County – single-family detached and single-family attached – increased to $549,000 in July 2015 from $541,000 in June 2015 1 • The median-priced single-family detached (SFD) home in North San Diego County increased 1.63 percent, to $625,000 in July 2015 from $615,000 in June 2015, and increased 3.73 percent year-over compared to July 2014. • The SFD median price in non-North County Zip Codes decreased 0.64 percent, from $500,725 in June 2015 to $497,500 in July 2015. Year-over non-North County median price increased 6.08 percent from July 2014. • The median SFD price in San Diego County increased 1.08 percent, from $549,000 in June 2015 to $554,950 in July 2015. Year-over county-level SFD median price increased 6.72 percent from July 2014. 1 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes • The SFD median price-per-square foot remained at $290 in July 2015, and increased 1.09 percent year-over from July 2014. • The median days-on-market for sold North San Diego County SFD homes increased, from 17 days in June 2015 to 18 days in July 2015.2 2 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes • The number of sold SFD units in North San Diego County increased 0.18 percent in July 2015 from June 2015, and increased 36.41 percent year-over compared to July 2014. • SFD total sales volume increased 34.45 percent year-over compared to July 2014. 3 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes • SFD listings (active and contingent) in North San Diego County increased 6.81 percent in July 2015 from June 2015, but decreased 5.47 percent year-over compared to July 2014. • SFD listings (active and contingent) in San Diego County increased 4.74 percent in July 2015 from June 2015, but decreased 4.13 percent year-over compared to July 2014. 4 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes Housing Affordability – Single-Family Detached Homes • The monthly payment – including principal, interest, property taxes, and insurance – for the median-priced SFD home in North San Diego County increased from $2,990 in June 2015 (based on a conventional mortgage) to $3,066 in July 2015. The monthly payment for the median-priced SFD home in non-North San Diego County decreased, to $2,440 in July 2015 from $2,436 in June 2015. • The percent of San Diego County households that could afford the median-priced SFD home in North County decreased from 27 percent in June 2015 to 26 percent in July 2015, according to the North San Diego County HomeDexTM; the affordability percentage in non-North County zip codes remained at 36 percent in July 2015. 3 • In June 2014, the affordability percentage was 25 percent in North San Diego County and 35 percent in non-North San Diego County. • The HomeDexTM affordability percentage for all homes in North San Diego County – single-family detached and single-family attached together – decreased to 31 percent in July 2015 from 32 percent in June 2015. 5 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes Single-Family Detached Home Prices and Affordability by North County Zip Codes 4 6 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes North San Diego County Housing Characteristics Single-Family Detached Homes July 2015 Median Price $625,000 Average Price $748,675 Median Price per Square Foot $290 Lowest-Priced Home Sold $202,000 Highest-Priced Home Sold $5,885,000 Number Units Sold Total Sales Median Days on Market 1,139 $852,740,721 18 Median Square Feet Median Number of Bedrooms Median Number of Baths Median Lot Size (sq. feet) Median Age (years) of Homes Sold 2,189 4 3 9,580 26 HomeDexTM Median Home Prices Month/Year July 2014 August 2014 September 2014 October 2014 November 2014 December 2014 January 2015 February 2015 March 2015 April 2015 May 2015 June 2015 July 2015 North San Diego County $602,500 $595,000 $600,000 $565,000 $565,000 $575,000 $575,000 $559,000 $617,500 $600,000 $612,000 $615,000 $625,000 non-North San Diego County $469,000 $460,000 $467,000 $462,500 $459,500 $450,000 $460,000 $465,000 $475,000 $475,300 $480,000 $500,725 $497,500 (Percent of San Diego County households affording median-priced home) North San Diego County 25% 26% 25% 28% 27% 28% 28% 30% 26% 27% 27% 27% 26% non-North San Diego County 36% 37% 36% 37% 36% 39% 38% 38% 38% 38% 37% 36% 36% 7 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes North San Diego County Zip Codes 92003 - BONSALL 92007 - CARDIFF 92008 - CARLSBAD 92009 - CARLSBAD 92010 - CARLSBAD 92011 - CARLSBAD 92014 - DEL MAR 92024 - ENCINITAS 92025 - ESCONDIDO 92026 - ESCONDIDO 92027 - ESCONDIDO 92028 - FALLBROOK 92029 - ESCONDIDO 92054 - OCEANSIDE 92056 - OCEANSIDE 92057 - OCEANSIDE 92058 - OCEANSIDE 92059 - PALA 92061 - PAUMA VALLEY 92064 - POWAY 92065 - RAMONA 92067 - RANCHO SANTA FE 92068 - SAN LUIS REY 92069 - SAN MARCOS 92075 - SOLANA BEACH 92078 - SAN MARCOS 92081 - VISTA 92082 - VALLEY CENTER 92083 - VISTA 92084 - VISTA 92091 - RANCHO SANTA FE 92127 - RANCHO BERNARDO 92128 - RANCHO BERNARDO 92129 - RANCHO PENASQUITOS 92130 - CARMEL VALLEY July 2015 Affordability 21% 5% 14% 13% 12% 12% 5% 10% 40% 36% 45% 32% 18% 36% 37% 40% 44% 38% 25% 40% 0% 32% 4% 20% 34% 26% 45% 34% 5% 13% 23% July 2014 Affordability 48% 12% 15% 12% 12% 12% 5% 12% 46% 33% 44% 32% 19% 32% 37% 34% 42% 25% 38% 2% 38% 5% 21% 35% 34% 45% 43% 2% 13% 26% July 2015 Median Price $685,000 $1,450,000 $793,500 $867,000 $684,000 $920,000 $1,407,500 $1,030,000 $455,000 $495,000 $410,000 $535,000 $725,000 $491,000 $489,750 $457,500 $415,000 $477,500 $629,000 $457,500 $3,075,000 $538,500 $1,770,000 $692,500 $515,000 $615,363 $410,000 $515,000 $1,362,500 $855,000 $658,000 19% 7% 19% 8% $718,000 $1,182,500 % Price Chg. From July 2014 91% 65% 8% 2% 6% 8% 10% 21% 23% 1% 4% 7% 6% -3% 7% -6% 6% 1% 26% 21% 21% 6% 8% 27% 8% 29% -41% 3% 11% July 2015 Sold Listings 5 7 24 66 17 31 10 53 37 57 60 66 23 23 56 66 13 0 4 57 49 15 0 38 9 54 25 18 17 45 2 54 52 Median Days on Market July 2015 42 29 26 19 21 18 36 12 11 26 17 39 23 29 12 20 24 37 25 21 63 12 5 13 18 54 7 29 46 19 9 Med. Days on Market % Chg. from June 2015 31% -28% 28% 85% 223% 24% -8% -11% -62% 44% -18% 8% 21% 53% 33% 11% -69% 39% -5% 117% 4% -86% -24% 24% 59% -61% 7% 19% -49% 6% 7% 51 48 11 18 57% 20% "Foreclosures" refers to the number of unique addresses in some stage of foreclosure in 8 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Detached Homes 1 The median is the middle-priced home sold: Half the homes sold for more than the median, and half sold for less. The reported days-on-market is defined as the time between the listing and sale of a property. In the event that a property is re-listed then days-on-market is calculated from the new list date to sale date; therefore, the occurrence of re-listing biases downward the reported days-on-market. 3 HomeDexTM affordability percentages assume homeowners place 20 percent down and spend no more than a third of their income on housing. 4 Monthly median prices and household affordability percentages reported for some Zip Codes were calculated from small numbers of sold listings; reported numbers may be sensitive to price variations and do not imply statistical significance. 2 9 of 9 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected] or 760-750-4196; or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. North San Diego County HomeDexTM July 2015 Summary Report Single-Family Attached Homes Single-Family Attached Home Prices • The North San Diego County median-priced single-family attached (SFA) home decreased 3.82 percent, to $375,000 in July 2015 from $389,900 in June 2015. Non-North San Diego County SFA home median price decreased 3.38 percent, from $340,000 in June 2015 to $328,500 in July 2015. 1 • North San Diego County SFA median price increased 4.68 percent year-over, compared to $358,250 in July 2014. Non-North County SFA median year-over price increased 4.29 percent, from $315,000 in July 2014. • San Diego County SFA home median price decreased 4.23 percent, from $355,000 in June 2015 to $340,000 in July 2015, and increased 4.62 percent year-over from July 2014. • The median number of days-on-market for North County SFA homes sold increased, to 18 days in July 2015 from 14 days in June 2015. 2 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected]; 760-750-4196 or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760-734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. 1 of 5 North San Diego County HomeDexTM July 2015 Summary Report Single-Family Attached Homes • The number of sold SFA units increased 7.16 percent in July 2015 from June 2015. The number of sold SFA units in non-North County Zip Codes decreased 1.22 percent in July 2015 from June 2015. • Year-over SFA sales in North San Diego County increased 48.72 percent from July 2014, and non-North San Diego County sales increased 25.34 percent from July 2014. • SFA listings (active and contingent) in North San Diego County increased 4.5 percent in July 2014 from June 2015, and dropped 11.55 percent year-over from July 2014. San Diego County SFA listings (active and contingent) increased 0.83 percent in July 2015 from June 2015, and decreased 11.28 percent year-over compared to July 2014. Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected]; 760-750-4196 or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760-734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. 2 of 5 North San Diego County HomeDexTM July 2015 Summary Report Single-Family Attached Homes Housing Affordability – Single-Family Attached Homes • The monthly payment – including principal, interest, property taxes, and insurance – for the median-priced SFA home in North County decreased from $1,896 in June 2015 to $1,839 in July 2015. The monthly payment for the median-priced SFA home in non-North San Diego County zip codes increased, from $1,547 in June 20115 to $1,611 in July 2015. • The percent of San Diego County households able to afford the median-priced SFA home in North County increased to 49 percent in July 2015 from 47 percent in June 2015.3 The SFA home affordability level for non-North San Diego County zip code decreased to 56 percent in July 2015 from 57 percent in June 2015. • 48 percent of county households were able to afford the median-priced SFA home in North San Diego County in July 2014; 55 percent were able to afford the median-priced SFA home in non-North County zip codes in July 2014. Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected]; 760-750-4196 or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760-734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. 3 of 5 North San Diego County HomeDexTM July 2015 Summary Report Single-Family Attached Homes North San Diego County Housing Characteristics Single-Family Attached Homes July 2015 Median Price Average Price Median Price per Square Foot Lowest-Priced Home Sold Highest-Priced Home Sold $375,000 $429,170 $307 $95,000 $2,410,000 Number Units Sold Total Sales Median Days on Market 464 $199,134,906 18 Median Square Feet Median Number of Bedrooms Median Number of Baths Median Age (years) of Homes Sold 1,204 2 2 30 SFA Median Home Prices Month/Year July 2014 August 2014 September 2014 October 2014 November 2014 December 2014 January 2015 February 2015 March 2015 April 2015 May 2015 June 2015 July 2015 North San Diego County $358,250 $380,000 $381,100 $386,250 $375,000 $339,154 $343,000 $353,500 $374,950 $375,000 $378,000 $389,900 $375,000 non-North San Diego County $315,000 $327,500 $320,000 $312,000 $310,000 $329,900 $325,000 $330,000 $335,000 $323,000 $329,250 $340,000 $328,500 HomeDex Single-Family Attached Homes North San Diego County 48% 45% 46% 45% 46% 52% 52% 51% 49% 48% 48% 47% 49% non-North San Diego County 55% 53% 54% 56% 55% 53% 55% 54% 54% 56% 55% 57% 56% Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected]; 760-750-4196 or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760-734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. 4 of 5 North San Diego County HomeDexTM July 2015 Summary Report Single-Family Attached Homes North San Diego County Zip Codes 92003 - BONSALL 92007 - CARDIFF 92008 - CARLSBAD 92009 - CARLSBAD 92010 - CARLSBAD 92011 - CARLSBAD 92014 - DEL MAR 92024 - ENCINITAS 92025 - ESCONDIDO 92026 - ESCONDIDO 92027 - ESCONDIDO 92028 - FALLBROOK 92029 - ESCONDIDO 92054 - OCEANSIDE 92056 - OCEANSIDE 92057 - OCEANSIDE 92058 - OCEANSIDE 92059 - PALA 92061 - PAUMA VALLEY 92064 - POWAY 92065 - RAMONA 92067 - RANCHO SANTA FE 92068 - SAN LUIS REY 92069 - SAN MARCOS 92075 - SOLANA BEACH 92078 - SAN MARCOS 92081 - VISTA 92082 - VALLEY CENTER 92083 - VISTA 92084 - VISTA 92091 - RANCHO SANTA FE 92127 - RANCHO BERNARDO 92128 - RANCHO BERNARDO 92129 - RANCHO PENASQUITOS 92130 - CARMEL VALLEY July 2015 Affordability 60% 13% 24% 42% 40% 34% 17% 37% 71% 60% 80% 64% 39% 61% 70% 81% 72% 45% 67% 59% 15% 50% 64% 57% 57% 51% 55% July 2014 Affordability 70% 29% 40% 38% 43% 35% 17% 32% 60% 65% 58% 63% 41% 62% 67% 81% 63% 49% 68% 10% 61% 14% 47% 53% 78% 64% 13% 53% 53% July 2015 Median Price $294,000 $858,250 $648,000 $440,750 $457,000 $512,500 $742,850 $488,200 $230,000 $295,000 $187,000 $269,000 $470,000 $292,000 $237,450 $228,075 $227,875 $410,000 $248,750 $301,000 $770,000 $370,000 $269,500 $315,000 $315,000 $360,000 $329,500 % Price Chg. July 2014 34% 57% 51% -2% 13% 8% 5% -3% -18% 19% -37% 4% 12% 10% 1% 0% -11% 17% 8% 10% 2% 0% -17% 70% 25% 10% 1% July 2015 Sold Listings 5 6 13 30 8 22 6 26 13 17 7 5 0 17 41 30 12 0 2 8 4 0 0 12 15 37 8 0 3 3 0 29 36 Median Days on Market July 2015 61 6 40 24 7 13 7 14 22 12 35 23 39 21 21 22 55 7 20 18 10 20 29 6 23 13 15 63% 34% 58% 34% $277,750 $510,000 -5% 5% 18 43 28 18 Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected]; 760-750-4196 or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760-734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. Med. Days on Market % Chg. from June 2015 0% 14% 38% -71% -69% -48% 33% 120% 71% -63% 34% 24% 14% 90% -72% 700% -13% -57% 100% 68% -43% -71% 18% -17% 81% 50% 5 of 5 North San Diego County HomeDexTM July 2015 Summary Report Single-Family Attached Homes 1 The median is the middle-priced home sold: Half the homes sold for more than the median, and half sold for less. 2 The reported days-on-market number is defined as the time between the listing and sale of a property. In the event that a property is re-listed then days-on-market is calculated from the new list date to sale date; the occurrence of re-listing biases downward the reported days-on-market. 3 HomeDexTM affordability percentages assume homeowners place 20 percent down and spend no more than a third of their income on housing. Prepared for the North San Diego County Association of REALTORS® by Robert Brown, Ph.D. Department of Economics California State University, San Marcos. Inquiries may be directed to Robert Brown [email protected]; 760-750-4196 or Lynn Sullivan, NSDCAR Communications Director: [email protected] or 760-734-3976. Data source: Sandicor, Inc. Comparisons are not based on identical samples of homes sold and do not imply statistical significance. 6 of 5 Vista Administrative Offices & Service Center 906 Sycamore Ave., Suite 104 Vista, CA 92081 Phone: (760) 734-3971 Fax: (760) 734-3976 Escondido Service Center 1802 S. Escondido Blvd., Suite E Escondido, CA 92025 Phone: (760) 745-2299 Fax: (760) 745-3842 Carmel Valley Service Center 12250 El Camino Real, Suite 118 San Diego, CA 92130 Phone: (858) 350-1600 Fax: (858) 350-0380 Carlsbad Service Center 6183 Paseo Del Norte, Ste. 150 Carlsbad, CA 92009 Phone: (760) 929-2100 Fax: (760) 929-2115 Fallbrook Service Center 126 West Beech Fallbrook, CA 92028 Phone: (760) 728-5811 Fax: (760) 728-0646 “Increasing the Success and Profitability of Those We Serve”