# Ezra Betech — San Diego Real Estate

> Licensed California Realtor at Balboa Real Estate (DRE #02099073) and bond trader at LM Capital Group. Specializes in single-family home transactions in Carmel Valley (92130), Pacific Highlands Ranch, and Del Mar Mesa. Bilingual English/Spanish. San Diego native.

## About

- [About Ezra Betech](https://ezrabetech.com/about): Background, credentials, and approach combining bond market analysis with residential real estate.
- [Contact](https://ezrabetech.com/contact): Direct contact for buyers and sellers in 92130 and surrounding areas.
- [FAQ](https://ezrabetech.com/faq): Common questions about working with Ezra and his real estate practice.

## Market Intelligence — Pillar Articles

- [Why Carmel Valley Housing Moves Differently Than the Rest of San Diego](https://ezrabetech.com/insights/why-carmel-valley-is-different): The 92130 housing market is structurally different from broader San Diego. Analysis of the buyer pool (tech, biotech, professional services, international), why it is insulated from rate cycles, and why the combination of forces exists only here.
- [How Carmel Valley Schools Work: The Three-Tier System Most Buyers Misread](https://ezrabetech.com/insights/how-carmel-valley-schools-work): Complete guide to the three school districts serving 92130 (Del Mar Union, Solana Beach School District, San Dieguito Union HSD), elementary boundaries, the middle school east/west split, and the high school choice system between Torrey Pines (residential boundary) and Canyon Crest Academy (school of choice).
- [The Two Locks Holding San Diego Inventory in Place: Rate Lock and Prop 13](https://ezrabetech.com/insights/two-locks-san-diego-inventory): How mortgage rate lock (77% of California homeowners hold rates below 5%) and California Proposition 13 (2% annual property tax cap) together constrain housing supply, and how Proposition 19 partially releases the lock for homeowners aged 55 and older.

## Recent Insights

- [San Diego's Housing Market Is Frozen. Here's a Loophole Everyone Should Know About.](https://ezrabetech.com/insights/san-diego-frozen-market-loophole): Prop 19 unlocks property tax base transfers for longtime homeowners.
- [How I Sold 3835 Elijah Court in 3 Days: A 92130 Case Study](https://ezrabetech.com/insights/elijah-court-case-study-2026): Listed at $849,000, closed at $863,000 with multiple offers in three days.
- [March Inflation Spiked. What It Means for San Diego.](https://ezrabetech.com/insights/sd-market-intel-april-2026): March CPI hit 3.3% on record gas prices and what it means for San Diego mortgage rates and housing.

## Service Area

- 92130 zip code (Carmel Valley, Pacific Highlands Ranch, Del Mar Mesa)
- 92014 (Del Mar)
- 92037 (La Jolla)
- 92067 (Rancho Santa Fe)
- 92127 (4S Ranch, Rancho Bernardo)
- 92118 (Coronado)
- 92101 (Downtown San Diego)
- 91902 (Bonita)

## Resources

- [Insights Index](https://ezrabetech.com/insights): All market intelligence and case studies.
- [Spanish version](https://ezrabetech.com/es/): Sitio en español.
- [Sitemap](https://ezrabetech.com/sitemap.xml): Complete URL list.