What your money will buy will be a factor. I recommend sign the Trulia Local info tool to begin the screening process. There are places around this are that are very nice but there are always compromises. The sooner you know what you can give away, the easier it will be to make a decision.
Pls call me and we can discuss further. DeAnn J Simpson, Realtor 925/974-7653
Have a good day!
I can send you to a very good lender. I work in East County where there are still very nice homes that will meet your stated needs for under 200K. Now I don't know if you have to commute to SF everyday, in which case East County may be too far for you.
Give me a call at 925-260-4321 if you would like.