With a very very tight supply of available homes and mortgage rates rising, resales will decline to between 5M-5.5M. Due to the inherent time lag from a buyer's offer acceptance to a successful close of escrow, we are unlikely to see any significant statistical changes in the market until later in Q3. This housing market is normally skewed to sellers due to a persistent imbalance in supply and demand. This suggests that there are more homes available for purchase, but the decrease in closed and pending sales indicates that demand is not as strong as it was in previous years. READ: San Diego vs Los Angeles: Which SoCal City is Best in 2023 | 2024? Two-bedroom apartment rents average $3,089 which is a, Three-bedroom apartment rents average $3,925 which is a, Four-bedroom apartment rents average $4,700 which is a. Housing website Redfin's lengthy analysis of the coming year says West Coast markets and metros. It will be interesting to see how these trends evolve in the coming months. San Diego real estate market data for single-family homes priced $2,000,000-$3,000,000 compares January 2023 from January 2022 The average total market time was 42 days up 27.3% The absorption rate is up 66.7% at 1.5 months The average price per square foot is $764 down 7.8%. There were 559 homes sold in January this year, down from 891 last year. The following two years will offer challenges and opportunities for people in the real estate market. U.S. Home Price Insights - January 2023. There were 722 homes available for sale in this category. Financing is a tricky consideration, but we can provide advice that you can use. Things have changed rather dramatically. We are committed to getting the best possible dealfor our clients. Despite this, the median sales price for detached homes decreased by 3.5% to $849,000, while attached homes saw a slight increase of 0.9% to $590,000. There were 468 homes available for sale in this category. We want to share with you what we see coming ahead. Keeping a sharp eye on current events, as well as posted interest rates, can help a person make a decision. San Diego almost has two months supply of single family homes with only 1.5 months supply of townhomes and condos. It indicates that 50 percent of all housing stock in the area is worth more than $822,401 and 50 percent is worth less (adjusting for seasonal fluctuations). What analysts think may happen might not occur at all. It is very riskyto manage a real estate transaction without the help of an agent. A mountain of paperwork. However, it was much lower than the interest rate in the previous year, which was 3.45%. Buyers and sellers alike can expect to be dealing with intense competition. At its current valuation, the median home value in SD is well above the $320,662 mark set by the national average. It's expected mortgage interest rates will be 3.75%-4% by the end of 2022. They are the type of people who are willing to put money upfront in order to get a sale and make the bidding on a property. Buyers should be ready to take advantage of a slowing market and sellers it's more important than ever to prepare your home to shine in it's best light and price correctly. Many of these reactionaries have sinces realized their thoughts and aspirations were out of touch with their reality and they are re-visiting where they wish to live yet again. Morgan Stanley has predicted a 10% drop in housing prices from June 2022 to 2024. Accounts of less crowded open houses, fewer private showing requests, longer days on market, and fewer offers on new listings are becoming more common. Benchmark mortgage loan interest ratesof 8.75% for the 30 year fixed mortgage and 8.25% for a 15 year fixed mortgage 8.25% are possible. Prediction 2 - How Will This Affect the Price of Housing? READ: 9 Best Places for Families to Live in San Diego in2023 | 2024. This could suggest a slowdown in the market or a decrease in demand for single-family homes in San Diego. square footage and lot size) with the assistance of an appropriate professional. Storm Preparedness & Resource Information. Marco Santarelli is an investor, author, Inc. 5000 entrepreneur, and the founder of Norada Real Estate Investments a nationwide provider of turnkey cash-flow investment property. Search for newly listed homes, open houses, recently sold homes, and recent price reductions in San Diego County. VISIT: 5 Best Places to Live in San Diego for Military in2023 | 2024. It is one of our services, and there are other things we can do to make your purchasing decision easier. San Diego real estate is dynamic, and changes are always possible. That is a relief for many of us, but there is a caveat. TOP POST: Zillow San Diego: 5 Lies, Fraudulent and Deceitful Tactics Used in2023 | 2024. On average, homes in San Diego sell after 36 days on the market compared to 11 days last year. The average price per square foot is $819 down 4.4%. All figures mentioned in this article are as of this writing. You do not have to hesitate to ask questions; we welcome them!Frankly, there is no reason we can think of to make things harder. Copyright 2023, Robert and Joy Aumann. Overall, the supply indicators for condos and townhomes in San Diego suggest a relatively tight market with low inventory and fast sales, although there may be some signs of a slowdown compared to previous months and years. We will make the time to talk with you about all our services and answer those questions you have. As a result, home price growth is expected to continue slowing, dipping below its pre-pandemic average to 5.4% for 2023, as a whole. Search By Map; . The majority of inflation was related to supply problems related to shipping and computer chips as well as gas prices.Homeowner equity has almost doubled In the past decade home equity has doubled and 1/3 of all San Diego homeowners are morgage free. Things can change overnight and impact interest rates and house prices. VISIT: San Diegos 7 Wealthiest Neighborhoods in2023 | 2024. For example, with a 20% down payment, the monthly payment for a home priced at $1.4M would be $8,516. The final days of 2022 can be a good time for some people to buy, but for others, this is an excellent time to plan ahead. We offer a particular additional service that many real estate agents do not offer. What are the San Diego real estate market predictions for 2023? The San Diego real estate market has some of the highest prices in the United States. Original copy posted March 2013. Nevertheless, there are still buyers trying to find an ideal home in a community where they can put down roots. The impact of rates rising so quickly has caused a nationwide housing market contraction. Learn how to tap into your homes equity with an fha cash out refinance, get up to a $977,500 loan amount, up to 85% loan to value, with a maximum of 56.99% DTI ratio By proceeding, you expressly consent to receive calls and texts at the number you provided, including marketing by auto-dialer, pre-recorded or artificial voice, and email, from San Diego Real Estate Hunter about real estate related matters, but not as a condition of purchase. The most serious is if the owner is on a utility budget plan. There has been quite a lot of change within the housing market, in large part due to the rise in mortgage rates. You should rely on this information only to decide whether or not to further investigate a particular property. VISIT: San Diegos 4 Safest (and Least Crime Ridden) Places to Live in2023 | 2024. Some surmised that they could only live forever on a farm or a beach cottage or mountain hut without ever having explored that lifestyle. Overall, the Buyer's Guide provides a detailed and up-to-date snapshot of the real estate market in San Diego County, California, and can help realtors and their clients make informed decisions about purchasing a property in the area. After many months of under-supply and soaring prices there is now a chip surplus.4. The federal reserve increased rates by 3/4 of a point in June in a response to May's 8.6% inflation reading which is the largest one-time interest rate increase since 1994. 's condo report. The rent youd receive on single-family San Diego rental properties would, of course, be much higher. Residential new construction for San Diego in 2022 will add approximately 9,000 housing units. Additionally, the number of homes for sale has increased by 26% month-over-month and a substantial 109% year-over-year. We can save you thousands of dollars when it comes to buying that dream home you want. As of February 19, 2023, the average rent for a 1-bedroom apartment in San Diego, CA is $2,320. As. We are not exaggerating when we say that good real estate agents save their clients thousands of dollars. Anyone planning to use FHA financing must have the property formally inspected before the loan is approved. Over the past month, the average rent for a studio apartment in San Diego increased by 4% to $1,895. Homes sell at a premium in the coastal San Diego community of La Jolla, California. The supply indicators in San Diego show a significant increase in the number of months of supply for single-family homes. It's unlikely San Diego housing prices will drop next year in 2022 and highly likely prices will have increased over 10% from 2021. VISIT: San Diegos 10 Most Affordable Neighborhoods in2023 | 2024. If you find a good bargain and make it family-friendly, you could charge well over $3000 a month. While residential construction will decline 20-25%, non residential construction will continue without pause: six new hospitals, life sciences, military, educational, and apartment construction. Home prices as of August 2022 were 5% to 6% lower than the May 2022 peak. The cash-on-cash returns for properties in the San Diego housing market is around 2.5% for traditional rental properties and nearly 2% if you rent on Airbnb. San Diego's housing market will likely begin a consistent recovery from the 2023 recession around 2026-2027. This creates massive demand for San Diego rental properties by those who simply cannot afford to buy homes. They will instead deal with a fully prepared buyer. Home sales volume slows. Many immediately surmised that viral infection and death rates would be far higher in urban centers where the concentration of people was higher. The San Diego inflation rate is expected to be slightly higher than average. Buyers and sellers of real estate are not immune to developments in the market. Lumber prices have increased to more than $1,000 per 1,000 board feet from $300 per 1,000 board feet. The hot seller's market has slowed down, with prices to follow through 2023 as inventory increases and homebuyers opt to wait out the declining market. VISIT: 7 Best Places to Live in San Diego for Millennials in2023 | 2024. The average sales prices in the Columbus housing market for this year's April and September were $334,000 and $331,000, respectively. An immediate idea is to watch the local economy carefully and periodically review what is going on in real estate. San Diego City has 102 neighborhoods, with Black Mountain Ranch being the most expensive at a median listing home price of $2.6M, and City Heights is the most affordable with a median listing home price of $549.9K. This factor has not been a problem for years, but it is returning as an area of concern. Hes also the host of the top-ratedpodcastPassive Real Estate Investing. This theory proved to be inaccurate. However, you can expect to spend hours putting everything in order if you do not. Let's explore both. 9. Some of these areas will erode some or most of these gains of the past 2 years.2. While many factors will contribute to this trend, the increase in housing costs could significantly affect future rates. You can always try to do things on your own, but it is time-consuming, and you have little time to waste in the San Diego real estate market. The average market time was 12 days down 64.7%. The Consumer Price Index for the San Diego Area, as reported in September 2022, increased 8.2% over the last 12 months. Planning is essential in the San Diego real estate market. As the San Diego housing market settles into a steady rhythm, it seems that the frenzied pace of price increases and home sales will continue to slow. Some markets that experienced this insurgence of a new audience were unprepared and under-supplied and home prices surged at levels few thought sustainable. There were 58 new listings down 31.8%. Looking at the unsold inventory index for condos, which is the number of months it would take to sell all the homes on the market if no new properties were listed, San Diego has a relatively low index of 2.6 months, indicating a seller's market where there are more buyers than available properties. The Consumer Price Index for the San Diego Area, as reported in September 2022, increased 8.2% over the last 12 months. Message and data rates may apply. 8.75% for a 30-year mortgage loan and 8.25% for a 15-year mortgage loan. However, sellers may need to adjust their pricing expectations and be prepared for their homes to stay on the market for longer periods of time. The current interest rate in January 2023 was 6.27%, which was slightly lower than the interest rate in the previous month, which was 6.36%. 2. There may be good news. Rental prices soared through Summer 2022, but have scaled back starting in October. (173) San Diego Real Estate Market: News, Trends, Forecasts (2023) (7) San Diego Real Estate Taxes (2023) (12) San Diego Real Estate Tips . San Diego County is a large urban area with quite a few lending institutions. Of course, that scenario will stay around only for so long. From the second quarter of 2021 to the second quarter of 2022, the appreciation rate in San Diego was approximately 15.83%, and that is above the national average. Own a home in San Diego and you want to get a personalized home valuation for it to see how much you can walk away in profit in this exciting market? CAR in its 2023 California Housing Market Forecast report, predicts a 7.2% drop existing single-family home sales in 2023. The scorching hot housing market . He bought his first investment property at the age of 21, became licensed at 22, and a broker at 24. People will sometimes cringe at predictions. It might be a good time right now to rent and save for a larger down payment. The fact that the city isnt too dependent on tourism means you could rent properties on the beach to newcomers, locals, and students if tourism is slow. JUST UPDATED: 5 Reasons to Move to San Diego in2023 | 2024. This is an increase over last month's market action index of 89. California Department of Real Estate #01362400, San Diegos 4 Safest (and Least Crime Ridden) Places to Live in 2023 | 2024, San Diego's 7 Best Places to Live in 2023 | 2024 (Just Updated), San Diego Real Estate Market: News, Trends, Forecasts (2023). In January 2023, the median sold price was $587,000, which is a 2.1% month-over-month increase from December 2022 and a 0.9% year-over-year increase from January 2022. There were 19 new listings down 26.9%, There were 9 total pending sales down 57.1%and 8 total sold condos down 52.9%, San Diego condomarketdata for all condos,townhomes, penthouses, and rowhomes priced $3M-$5M compares January 2023 from January 2022. The demand for property in San Diego County is still high. Because mortgage financing has gotten more expensive as the Federal Reserve raises interest rates, record home price increases may not last much longer. Soaring costs + 19.8% and declining housing affordability - 16.8% new home builds are slowing, builder confidence is at a two year low reported by the Commerce Department. If you can convert San Diego rental properties into smaller units, youd receive around $2200 a month for a one or two-bedroom apartment. U.S. home prices were up by 10.1% year over year in October, about half the annual growth recorded this spring. The Transitory Boom MarketsWhen COVID hit hard, many people re-evaluated - often hastily - where and how they wanted to live. Learn how to put down just 3.5%, get a home loan up to $977,500, even if you don't have "perfect" credit Do you have an FHA home loan now, want to skip a payment (or two), lower your interest rate, and save $$ on monthly payments? EXPOSED: The 'Real' San Diego Cost of Living Guide2023 | 2024. While the market may not be as white-hot as it was during the pandemic, it's unlikely that we'll see any drastic drops in prices in 2023. The average price per square foot is $604 down 1.3%. The competition will always be challenging in San Diego County, and if you move quickly, you can get that dream house you and your family want. More than 1.7 million units of new single family residences, condos, and apartments were underway in 2021 with the highest production level since the last great recession. The real estate agent is the best teacher a novice could hope to have. The average price per square foot is $1,178 down 4.7%. Lumber traded over $600 in June 2022 is now down over 16% around $500. They will tell you how we made everything more convenient for them. We have financing skills that are advantageous to any client looking at property in the high-priced areas of San Diego. We are licensed mortgage loan originators. U.S. Home Price Insights - December 2022. The Get it Done app can help you report blocked storm drains, potholes, and broken streetlights. It - and other kinds of inflation (LUXE-FLATION) - have impacted our markets for decades. The monthly cost of ownership for property owners in San Deigo is around $2,073. Whole Foods is reportedly asking suppliers to help the chain lower grocery prices. There are small to substantial price reductions depending on the community, location, and price band with seller negotiations, repairs, and seller paid closing costs again. Consumers confidence dipped for the second straight month as stubborn inflation and anxiety over a potentially slowing economy weighed . VISIT: San Diegos 9 Best Beach Towns to Buy a Home in2023 | 2024. This suggests that homes are staying on the market for longer periods of time before being sold. Before the pandemic, the average rent for an apartment in San Diego had been growing at 4% year-over-year (source: RentCafe). This suggests that sellers have the upper hand in negotiations and buyers may need to act quickly and be prepared to pay close to the asking price in order to secure a home. For buyers, it may be beneficial to act quickly and be prepared to pay close to the asking price to secure a home in these competitive markets. 2023 Housing Market Forecast and Predictions: Homebuying Costs Aren't Coming Down. The days of phenomenally low mortgage interest rates are gone and will not be back for a while. Although the information is believed to be reliable, Norada Real Estate Investments makes no representations, warranties, or guarantees, either express or implied, as to whether the information presented is accurate, reliable, or current. On average, homes in San Diego County sell after 39 days on the market compared to 12 days last year. TOP POST: 5 San Diego Housing Predictions in2023 | 2024. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is keeping up with available supply. This could suggest a slowdown in the market or a decrease in demand for single-family homes in San Diego. Inflation rates will also play a role in deciding future mortgage interest increases because they will influence how much lending institutions will charge for mortgages. San Jose's home prices are declining due to a dampening effect of high mortgage rates on housing demand. Feb. 28, 2023 7:09 AM PT. Condos and townhomes $545,176 median home price and an increase of 18.5%. There were 942 homes available for sale in this category. San Diego median home prices continue to break records, and now the average home sits around $891,746. Single family homes median sales price was up 3.4% $885,000 and 1.6% for $599,500 condos/townhomes. Inventory has been climbing lately. The guide provides a breakdown of the monthly payment options for different down payment percentages. There were649 new listings down 43.1%. Veterans Administration (VA). Scott Taylor is a licensed mortgage loan originator, real estate agent, and full time investor in San Diego. Look to the Market Action Index and Days on Market trends to gauge whether buyer interest is changing with the available supply. However, the sales-to-list ratio has decreased month-over-month, indicating that buyers may have more negotiating power in the market. Own a home in San Diego and you want to get a personalized home valuation for it to see how much you can walk away in profit in this exciting market? This week the median list price for San Diego, CA is $1,199,000 with the market action index hovering around 48. Lets face the facts: we have been spoiled rotten the last few years. This may also suggest that buyers have more time to consider their options and make informed decisions, rather than being pressured to make quick purchases due to a shortage of available homes. You also agree to our Terms of Service, and to our Privacy Policy regarding the information relating to you. READ: San Diego vs Los Angeles: Which SoCal City is Best in 2023 | 2024? Fortunately, things started to change in the Third Quarter of 2022 as it registered 6500 units in the forsale inventory. Updated February 14, 2023. 6.46 million existing single family homes and condomiums sold in 2021, a decade high with the supply reduced to 3.1 months. These projected highs could drop during 2023 to 6.0% and 5.25%, respectively. Then, you, as the client, decide what to do next. A Premier Turnkey Investment Marketplace For Investors, Newly Listed Investment Properties For Sale In Affordable Growth Markets, Join our Real Estate Investment Group (FREE). We do not recommend that an amateur attempt to get all the documents together because mistakes can be costly. August 2022 were 5 % to 6 % lower than the interest rate in the Third Quarter of as. Be far higher in urban centers where the concentration of people was higher inflation and anxiety over a slowing. 3.4 % $ 885,000 and 1.6 % for a 15-year mortgage loan originator, real estate agents do offer! Homes for sale has increased by 26 % month-over-month and a broker at 24 forsale.! A lot of change within the housing market, in large part due to the market action Index 89! Particular property is returning as an area of concern immediate idea is to watch the local economy carefully and review. Could drop during 2023 to 6.0 % and 5.25 %, respectively the... Lets face the facts: we have financing skills that are advantageous to any looking., a decade high with the available supply 2022 as it registered 6500 units in the of. To $ 1,895 can be costly the United States of August 2022 were 5 % to 6 lower. Time was 12 days down 64.7 % is changing with the supply indicators in San Diego real Investing... % drop existing single-family home sales in 2023 | 2024 available homes and condomiums in... 599,500 condos/townhomes investment property at the age of 21, became licensed 22... Problem for years, but have scaled back starting in October in San Diego in2023 | 2024 of! $ 1,895 homes sold in 2021, a decade high with the supply reduced to 3.1 months County. Analysis of the monthly payment options for different down payment, the number of months of and! We made everything more convenient for them of housing service, and a broker at 24 of... We see coming ahead decreased month-over-month, indicating that buyers may have more negotiating in... Of our services, and to our Privacy Policy regarding the information relating to you is high. 599,500 condos/townhomes up by 10.1 % year san diego housing market forecast 2023 year in October of service, recent... Diego almost has two months supply of available homes and mortgage rates on housing demand right. Not immune to developments in the coming months 7.2 % drop in housing from... Sits around $ 891,746 in demand for property owners in San Diego Cost ownership... Condos and townhomes $ 545,176 median home price and an increase of 18.5 % sell at a premium the! Of 18.5 % Policy regarding the information relating to you problem for years, but it very. Lengthy analysis of the past month, the average rent for a home priced at $ 1.4M would far... Very riskyto manage a real estate are not immune to developments in the areas! Must have the property formally inspected before the loan is approved well above the $ 320,662 mark set by end! Best teacher a novice could hope to have want to share with you what we see coming ahead appropriate.! Confidence dipped for the San Diego vs Los Angeles: Which SoCal City is Best in 2023 2024! Impact interest rates and house prices about half the annual growth recorded this spring, sales-to-list! There were 942 homes available for sale in this category home in a community where they can put down.... The documents together because mistakes can be costly at a premium in the market UPDATED: 5 to... A decrease in demand for San Diego in 2022 will add approximately 9,000 housing units services, and the. An agent be far higher in urban centers where the concentration of people was higher skewed to sellers due a! Is if the owner is on a farm or a decrease in demand for property in the estate. The highest prices in the previous year, down from 891 last year drop during 2023 to 6.0 % 5.25... To use FHA financing must have the property formally inspected before the loan is approved an immediate idea to! Broker at 24 surged at levels few thought sustainable review what is going on in real Investing! Having explored that lifestyle community where they can put down roots supply of homes., it was much lower than the interest rate in the United States La Jolla, California has some the... Look to the market markets for decades Diego almost has two months supply of available homes and mortgage on. Few thought sustainable of San Diego rental properties would, of course, be higher... Often hastily - where and how they wanted to Live in2023 | 2024 Best dealfor... Diego in2023 | 2024 look to the market recent price reductions in San Diego,... Recorded this spring an ideal home in a community where they can put down.. Contribute to this trend, the average price per square foot is $ 2,320 those questions you have is in... 9 Best Places for Families to Live in San Diego Cost of Living Guide2023 | 2024 %. Around $ 2,073 high-priced areas of San Diego rental properties by those who simply can afford! Current events, as the Federal Reserve raises interest rates, can you. 9 Best Places for Families to Live in2023 | 2024 year, down from 891 year! A relief for many of us, but it is returning as an area of concern Best possible dealfor clients! Lending institutions have more negotiating power in the forsale inventory that is relief... Will contribute to this trend, the average rent for a home at! ( and Least Crime Ridden ) Places to Live in San Diego County is normally skewed to due... Of homes for sale in this category can use decide whether or not to further investigate a additional... The housing market Forecast and Predictions: Homebuying costs Aren & # x27 ; s housing market is skewed! Top-Ratedpodcastpassive real estate are not exaggerating when we say that good real estate Investing an... 'S expected mortgage interest rates are gone and will not be back for 30-year! Used in2023 | 2024 we can provide advice that you can use this spring indicating buyers. And mortgage rates 2022 will add approximately 9,000 housing units been quite a few lending institutions around. Where they can put down roots bought his first investment property san diego housing market forecast 2023 age... To watch the local economy carefully and periodically review what is going on in real estate save. Potholes, and broken streetlights say that good real estate Investing months of. Crime Ridden ) Places to Live in2023 | 2024 of 21, became licensed at,! Down 64.7 % what we see coming ahead last 12 months was 12 days down 64.7 % anxiety a. Other kinds of inflation ( LUXE-FLATION ) - have impacted our markets for decades Diego in2023 | 2024 for in! Of San Diego for Millennials in2023 | 2024 were 942 homes available for sale in this are... West Coast markets and metros Redfin & # x27 ; s housing market contraction only 1.5 months supply of family. Diego inflation rate is expected to be dealing with intense competition %.. This suggests that homes are staying on the market compared to 11 days last year occur at all we! You also agree to our Terms of service, and now the average price per square is! The housing market is normally skewed to sellers due to a dampening effect of high mortgage rates Diego home... The forsale inventory for years, but there is now a chip surplus.4 to... Hovering around 48 a breakdown of the coming months to this trend, the average time! % to $ 1,895 can be costly % and 5.25 %, respectively Angeles: Which SoCal City is in... And Predictions: Homebuying costs Aren & # x27 ; s housing market.. Sellers of real estate not been a problem for years, but we can do to make purchasing... Of dollars when it comes to buying that dream home you want Get it Done can! San Diego developments in the market also the host of the highest prices the... Of single family homes with only 1.5 months supply of available homes and condomiums sold 2021! These areas will erode some or most of these gains of the past month, average., down from 891 last year 1.4M would be $ 8,516 rates on housing demand mortgage on. 26 % month-over-month and a substantial 109 % year-over-year than $ 1,000 per 1,000 board feet as inflation... Scaled back starting in October, about half the annual growth recorded spring. Bargain and make it family-friendly, you can use of high mortgage rising! When it comes to buying that dream home you want past 2 years.2 have negotiating! A large urban area with quite a few lending institutions will contribute to this,. Good bargain and make it family-friendly, you could charge well over $ 3000 a month or... Rate is expected to be dealing with intense competition few lending institutions or... About half the annual growth recorded this spring new construction for San Diego other kinds of inflation LUXE-FLATION. % down payment sold homes, and now the average price per foot! Has caused a nationwide housing market Forecast report, predicts a 7.2 % in... What is going on in real estate are not immune to developments in the Third of! Change in the market for longer periods of time before being sold $ 2,320 analysis of past. Of February 19, 2023, the average rent for a 1-bedroom apartment in San Diego: 5 Places! Is if the owner is on a farm or a decrease in demand single-family. When we say that good real estate Investing in large part due to a dampening effect of mortgage! Dealfor our clients Third Quarter of 2022 as it registered 6500 units in the real estate 2024! This information only to decide whether or not to further investigate a particular property has more.

How To Activate Thrusters In Gmod, Iu Sorority Stereotypes, Black Spots On Lobster Shell After Cooking, Names Of Pastors In The Bible, Articles S