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Did you know some San Diego homes come with a built-in property tax break — one that transfers to the new owner at closing?
What Is the Mills Act — And Why Should San Diego Buyers Care?
Mills Act San Diego home in Hillcrest.
A Built-In Tax Break That Transfers at Closing
Some San Diego homes come with a beautiful hidden perk. It’s called the Mills Act. The City designates certain historic homes under this program. Qualified buyers inherit a property tax reduction — often 20–70% less per year. That savings transfers automatically at closing. No reapplication, no waiting. It’s yours from day one.
How to Spot a Mills Act Home
Look for a small bronze plaque near the front door. It’s usually oval or rectangular, and utterly charming. The plaque lists the home’s historic name, the original architect, the year built, and the city. It also displays an official Historical Landmark Number. Think of it as the home’s badge of honor.
What Buyers Agree To
Owning a Mills Act home comes with a meaningful responsibility. You sign a 10-year contract with the City of San Diego. The contract auto-renews every decade. It protects the home’s historic front facade — and a portion of the sides. Alter the facade, and you lose your tax savings. Most owners find the trade-off more than worth it.
Which Cities Participate?
The Mills Act extends across several San Diego-area cities:
- City of San Diego
- Chula Vista, Coronado, Escondido, La Mesa, National City
- Some unincorporated County of San Diego properties also qualify
Where to Find Mills Act Homes in San Diego
Mission Hills, North Park, Kensington, and Bankers Hill hold the richest concentrations of designated properties. Want to start the designation process yourself? South Park, University Heights, Barrio Logan, Sherman Heights, and Logan Heights all have wonderful eligible candidates waiting to be discovered.
Ready to Find Yours?
Historic homes with Mills Act status offer something truly special. You get craftsmanship, character, and a meaningfully lower tax bill. San Diego’s historic neighborhoods are full of hidden gems. I’d love to help you find the one that feels like home.
If you’re interested in buying a home with history — and a lower tax bill — I’d love to help you find one.
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Belinda Appleyard
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Sales Associate
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M: (619) 616-1088
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1615 MURRAY CANYON Rd Ste 110 | San Diego, CA, 92108
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License #: 02437096
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