NHD report
The Natural Hazard Disclosure — flood, fire, earthquake and seismic zones, plus the tax disclosures.
When you need one
At listing. It's a required disclosure in California and the buyer will ask for it.
What it costs in San Diego
$99–$150, usually paid by the seller.
Ranges for a typical $1M sale. Get a quote.
What to ask before you hire
- Does the report include the tax and Mello-Roos disclosures?
- How fast is turnaround?
- Is there a fee to update it if the listing runs long?
Our vendors
We keep two or three we trust for this, and we don't publish their names — they get our clients, not cold calls. Ask for an introduction and we'll make it.
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Same house. Over $900 less a month.
On a $1M home, the seller pays your agent about $30,000. We keep a flat $4,999 and give you the rest, around $25,000. Use it to buy your rate down from 7% to as low as 5% and take over $900 off your monthly payment in year one.
See your new paymentExample temporary rate buydown on a $1M San Diego home with 20% down and a 30-year fixed loan at 7%. The lower rate applies to the early years of the loan, and terms vary by lender. Assumes the seller offers 3% to the buyer's agent. Lender approval required. Estimate only, not a guarantee.
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