<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Ariel by the Sea — Monterey Bay Living Blog</title><description>Monterey Peninsula real estate guides, wildfire &amp; FAIR Plan insurance notes, VA loan strategies, and neighborhood insights by Ariel Wright, REALTOR®.</description><link>https://arielbythesea.com/</link><item><title>Why Buyers Choose Pacific Grove: Walkable Coastline, Links Golf &amp; PGUSD</title><link>https://arielbythesea.com/blog/why-pacific-grove-coast-golf-schools/</link><guid isPermaLink="true">https://arielbythesea.com/blog/why-pacific-grove-coast-golf-schools/</guid><description>What makes Pacific Grove stand out on the Monterey Peninsula: Ocean View Boulevard, Jack Neville&apos;s oceanfront back nine, Point Pinos Lighthouse, and PGUSD.</description><pubDate>Wed, 14 Oct 2026 00:00:00 GMT</pubDate></item><item><title>How Assumable VA and FHA Loans Work for Monterey Peninsula Buyers &amp; Sellers</title><link>https://arielbythesea.com/blog/assumable-va-fha-loans-monterey/</link><guid isPermaLink="true">https://arielbythesea.com/blog/assumable-va-fha-loans-monterey/</guid><description>Why assumable VA and FHA mortgages matter near Presidio of Monterey (DLI) and Naval Postgraduate School (NPS), and what both sides of the transaction should know.</description><pubDate>Thu, 08 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Understanding Homeowners Insurance &amp; the CA FAIR Plan on the Monterey Peninsula</title><link>https://arielbythesea.com/blog/wildfire-insurance-ca-fair-plan/</link><guid isPermaLink="true">https://arielbythesea.com/blog/wildfire-insurance-ca-fair-plan/</guid><description>What Monterey Peninsula and Carmel Valley buyers need to verify about wildfire zones, private insurance carriers, and California FAIR Plan coverage during contingencies.</description><pubDate>Thu, 01 Oct 2026 00:00:00 GMT</pubDate></item><item><title>Why Nobody Is Selling in Monterey, CA: Mortgage Rates &amp; Prop 13 Explained</title><link>https://arielbythesea.com/blog/why-nobody-is-selling-monterey-prop-13/</link><guid isPermaLink="true">https://arielbythesea.com/blog/why-nobody-is-selling-monterey-prop-13/</guid><description>Why Monterey County housing inventory stays so tight: how locked-in mortgage rates and California Proposition 13 property tax rules shape seller decisions.</description><pubDate>Thu, 30 Jul 2026 00:00:00 GMT</pubDate></item><item><title>Best Time of Year to Move to Monterey, CA: A Season-by-Season Guide</title><link>https://arielbythesea.com/blog/best-time-of-year-to-move-to-monterey/</link><guid isPermaLink="true">https://arielbythesea.com/blog/best-time-of-year-to-move-to-monterey/</guid><description>What to expect season by season on the Monterey Peninsula — from foggy coastal summers and sunny autumn weather to winter negotiation windows.</description><pubDate>Thu, 23 Jul 2026 00:00:00 GMT</pubDate></item><item><title>6 Monterey, CA Neighborhoods Compared: Monterra to Old Town</title><link>https://arielbythesea.com/blog/6-monterey-neighborhoods-guide/</link><guid isPermaLink="true">https://arielbythesea.com/blog/6-monterey-neighborhoods-guide/</guid><description>Walk through 6 distinct Monterey neighborhoods — Monterra, Peter&apos;s Gate, Skyline Forest, Monte Vista, Old Town Monterey, and Deer Flats.</description><pubDate>Wed, 15 Jul 2026 00:00:00 GMT</pubDate></item><item><title>Living in Monterey, CA: The Honest Pros and Cons (2026 Guide)</title><link>https://arielbythesea.com/blog/living-in-monterey-pros-and-cons/</link><guid isPermaLink="true">https://arielbythesea.com/blog/living-in-monterey-pros-and-cons/</guid><description>An honest look at daily life on the Monterey Peninsula — coastal trails, mild weather, and marine life balanced against summer fog and housing costs.</description><pubDate>Wed, 08 Jul 2026 00:00:00 GMT</pubDate></item></channel></rss>