Mello-Roos (MR) in and of itself does not necessarily affect the resale value of a property in the area in which you are looking. Most buyers in Rocklin know that Mello-Roos is part of living/buying there, especially in the 95765 zip code. $1700/year Mello-Roos is very average for that zip code. There are a few subdivisions within that zip code where it is less; however, there are many more where it is significantly higher, especially in the Whitney Ranch area where it can be over $2400/year in some communities! Typically, although not always, the newer the house is, the more the Mello-Roos bond is. Many buyers prefer newer homes with the bells and whistles, and are willing to pay the higher Mello-Roos in order to have those amenities. So, in answer to your question about resale value, the Mello-Roos does not necessarily affect the resale value, depending on what the buyer is looking for.
The good news, David, is that if you are looking to purchase a $200k property in Rocklin, it *most likely* has a shorter term Mello-Roos bond that does not fluctuate. Many (not all) of the MR bonds in Rocklin that were put in place prior to about the year 2000 were 25-year fixed bonds, which means that those bonds will be paid at the same fixed amount every year for 25 years until the bond is paid off. So, it is possible that by the time you go to sell the home you are purchasing, the MR could be paid off, which *may* make it more attractive to a new buyer, unless of course, they are looking for a newer home.
If you want to know the exact number of years of a MR bond and whether the yearly amount is fixed or not, you can do a couple of things. First of all, a Natural Hazards Disclosure Report (NHD Report) will have that information for you. Your Realtor or Escrow Officer can order one for you once you are in escrow. If you want to know that information prior to going into escrow, follow the directions I gave you in one of your other questions regarding finding out the amount of MR on a property. Once you get into the actual online tax assessment page, look at the very top where it says in red, "View Tax Bill". Click on that link, and there will be telephone numbers and contact names of people who administer specific assessments and bonds for that property. You can call them directly and find out any information you need.
David, I suspect that you may be worried about paying MR in addition to whatever payment your loan officer has given you. Know that when a loan officer qualifies you for a loan, they estimate taxes at 1.25% of the purchase amount. This estimated amount nearly always covers your MR payments, so you most likely will not have a higher payment than what you have been quoted, but check with your loan officer to be sure.