Ask the realtor: Why competency matters more than a ZIP Code

Jul 1, 2026 | Ask the Realtor

I recently attended an informational meeting for shareholders of a local property that is being considered for a change in ownership structure. The meeting wasn’t about zoning or approvals; it was simply an opportunity for shareholders to ask questions and learn about the process. As someone who spends every day immersed in mountain real estate, I was curious to hear the presentation.

What surprised me wasn’t the proposal itself. It was some of the answers.

During the presentation, the consultant referred to both the “City of Lake Arrowhead” and the “Town of Lake Arrowhead” as though either one existed. They don’t. Lake Arrowhead is an unincorporated community in San Bernardino County, and land use decisions are made by the county, not a city council or town government.

Later, someone asked whether the property had private Lake Arrowhead lake rights because it is located within Arrowhead Woods. The response was, “I don’t think so.”

The answer was incorrect.

The property is in Arrowhead Woods, and it does have lake rights. That’s not a trivial detail. In our market, lake rights can significantly affect value, buyer demand and how a property is marketed. What made the exchange even more surprising was learning that the consulting firm had reportedly been working on the project for over a year.

I don’t mention this to embarrass anyone. In fact, it highlights something I tell buyers and sellers all the time: Competence matters.

Your real estate professional doesn’t have to live next door to your property. There are outstanding agents who successfully represent clients outside the communities where they live. But they do need to understand the market they’re working in. If they don’t, they need to slow down, ask questions, verify facts and rely on local experts before advising clients.

Every week I see listings that unintentionally misrepresent properties. Deer Lodge Park advertised as Arrowhead Woods. Arrowhead Villas descriptions that imply private lake rights. Cedar Glen homes categorized as Lake Arrowhead. I don’t believe most of these mistakes are intentional. They’re usually the result of someone who doesn’t fully understand the unique geography and nuances of our mountain communities.

Unfortunately, those mistakes don’t stay on the MLS. They follow buyers all the way to closing.

Imagine purchasing what you believed was an Arrowhead Woods property, only to walk into the Arrowhead Lake Association office after closing to apply for membership and discover you’re not eligible. That’s a heartbreaking conversation, and one that could have been avoided with better research before the home ever hit the market.

California law recognizes that real estate licensees are expected to perform competently, and the Realtor Code of Ethics similarly requires agents to provide service within their field of competence or obtain the assistance necessary to do so. Those aren’t just professional ideals—they’re there to protect consumers.

When you’re interviewing agents, don’t just ask how many homes they’ve sold. Ask how well they know your neighborhood. Ask how they verify lake rights, community boundaries, short-term rental restrictions and other issues unique to mountain real estate. If they don’t know an answer, pay attention to whether they’re willing to find it.

Real estate is one of the largest financial decisions most people will ever make. You deserve representation from someone who knows the difference between a map and the territory.

Theresa Grant is a real estate broker and columnist covering Lake Arrowhead, Crestline, Running Springs, and the surrounding mountain communities. Reach her at (909) 442-1345 visit www.HomesInLakeArrowhead.com, and follow her on social media @TheresaGrantRealtor. Theresa is a Broker Associate with REAL Broker Technologies. DRE#01202881.

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