The real numbers the listing won't show you.
Every public record on any San Diego home — the true all-in monthly cost, financing, and risk. No account needed.
Found another listing? Run it. Most people compare four or five before they offer.
The true monthly cost
Property tax, Mello-Roos, the Prop-13 reset, insurance, HOA — every line a lender's quote leaves out, added up into one number.
Your loan, three ways
VA, FHA and conventional side by side at live rates — with the income to qualify and cash to close for each.
Hazards & neighborhood
Flood, fire, seismic and tsunami zones, plus crime, schools, parks and transit — the stuff that changes your insurance and your daily life, every figure sourced.
A report, not a runaround
Built for San Diego County, and only San Diego County — every parcel, tax district, and hazard map in the county, done properly. More counties coming soon.
Enter address + price
Two fields. No account, no email, nothing to install.
We pull public records
County parcels and taxes, federal rates and rents, geological hazard maps.
Read the real numbers
All-in monthly, cash to close, income to qualify — every figure cited, so you can check our work.
Save, share, compare
A private link that survives reload — send it to your agent or partner, re-run as rates move, stack up to four homes side by side.
Buying your first place?
See what you'd really pay each month — before you fall in love with the kitchen.
Generate a report ↑Keeping your home and moving up?
Rent out your current place, buy the next — see the combined picture with the same 75% rent rule your lender will use, before you ever call one.
Try move-up mode ↑Rates moved. Your report didn't — until you re-run it.
Reopen any saved report to see today's payment.
Why this exists
I come from a military background, and this started as genuine curiosity about real estate — and about the things I felt somebody should just say out loud before you buy a home. The supplemental tax bill caught me by surprise. So did Mello-Roos, and the HOA bill that crept up every single year.
sounding began as an internal tool my wife and I used to work out which houses actually made sense for us — the real monthly number, not the listing's version of it. I figured we weren't the only ones who'd want that laid out plainly, so here it is. Free, no account, every figure sourced.
If it helps you, let me know — and share it with your friends and family. And if you'd like to keep it alive, you can buy me a coffee. Thank you.
Straight answers
01What is Mello-Roos and why does it change my payment?
Some San Diego County homes sit in a special tax district (Mello-Roos / CFD) that adds a fixed charge on top of regular property tax — often hundreds per month. Listings rarely show it; we pull it from the county's own records so it's in your monthly number from the start.
02Where does the data come from?
Free public sources only: SANDAG parcel records, the county tax portal, Federal Reserve (FRED) mortgage rates, HUD fair-market rents, FEMA flood maps, CAL FIRE and CA Geological Survey hazard zones, SDPD open crime data and OpenStreetMap. Every figure in the report carries a numbered source.
03Is this an appraisal or lending advice?
No. Every figure is an estimate for decision support — not an appraisal, loan commitment, tax bill, or legal or financial advice. Verify against official county records and a licensed lender before acting.
04Who can see my report link?
Only people you give it to. Links use a long random address, are never listed or search-indexed, and you can delete a report at any time. Reports nobody opens for about two years are cleaned up automatically.
05Is this really free?
Yes — really free. No account, no trial, no paywall on any number. The site runs on ads and reader donations, so if it helps you, sharing it with a friend or buying me a coffee is what keeps it alive. Thank you.
06What's a supplemental tax bill?
When you buy in California, your assessed value resets to the purchase price (Prop 13) and the county bills the gap separately — usually 3-9 months AFTER closing, and escrow doesn't collect it. It surprises almost everyone (it surprised me). The report forecasts yours before you offer.
07Can I use this report in a negotiation or in court?
Use it to ask sharper questions — bring it to your agent, lender, or the listing side. But it's decision support, not an appraisal or a legal document: official decisions should rest on county records and licensed professionals.
08Do you collect my personal information?
No account, no email, no sign-up. A saved report is just its address and inputs at a private link you control — delete it anytime, and untouched reports clean themselves up after about two years.
09Why San Diego County only?
Every county publishes parcels, tax districts, and hazard maps differently, and doing this properly means wiring each source carefully. San Diego is home, so it came first — more counties are on the way.
10What doesn't the report cover yet?
It won't judge interior condition or remodel quality, and it shows the nearest school rather than a school rating. Commute is straight-line proximity, not drive time. Insurance figures are estimates, not quotes. Where something is an estimate, the report says so — every figure carries its source.
Know the real number before you offer — not after you've fallen for it.
Free, no account — and every figure comes with its source.
Generate my free report ↑