Good Morning Subha,
What area of Torrey Highlands are you looking in? I have clients that are closing on a home in Montellano today. The HOA is low, but there is Mello-Roos. Mello-Roos typically pays for infrastructure like roads, schools, etc. I would be happy to assist you in finding a home that meets your needs. Please contact me directly.
Real Estate Broker/ RealtorÂ®
McAllister Homes Real Estate
Residential Sales & Property Management