Robert, have you thought about moving north a little? In Temecula you can get a decent house for $350-$400 with everything you are asking for. Just a thought.
Yeah, My Grandmother actually offered to sell me a house of hers up there with all the things we want for about 200k, though I work downtown and taking public transit since parking is rough/expensive here. My fiancee is a teacher, so us driving all over San Diego every day is a tough pill to swallow. Originally, when I worked in La Jolla I was 100% on board with Temecula, Its just a bit too far for me right now.