I don't know anything about Pepperwood, but we have lived in Harvey Oaks for the past 7 years and love it! The area is very kid friendly, with 2 parks within the neighborhood, not including the school's. EXCELLENT elementary school, Harvey Oaks. There is a walking trail, 2 baseball fields for the kids and a tennis court. HOA is voluntary and very reasonably priced. There is a fair mix of older and younger couples. (Have noticed younger buying more frequently lately). Resale is good as well from what I have seen. There are a 1/2 dozen homes for sale in the neighborhood currently. Good luck!