Sorry in advance for the stream of consciousness nature of this post. :) You don't seem to be getting lots of feedback on actual plants, so here are my thoughts, even though I'm a beginner to this native gardening thing. I've done a lot of research though! You might already know all this stuff, but in case you don't, here you go. And I felt like writing it. :)

I just moved into a CA Native Garden house in coastal LA. Toyons seem to be good ones for growing tall and thin. In my yard, the Wax Myrtles were great, and staying narrow enough, until two of them were hit by a new form of Leaf Blight. So right now I'd stay away from Wax Myrtles (I'm in socal but the blight seems to be striking all over the nation).

I didn't see where you said which direction your house faces - which areas get full sun will help determine what goes where. Also, what type of soil do you have - sandy or clay-y? If you have clay soil you really need to pay attention to which plants do well in it.

My toyons are a little thin for a privacy screen, although they're nice and tall. Maybe they're just young, I don't know. I think some of the other native shrubs might be denser. Ceanothus have extremely small leaves, so they aren't going to be that dense for a loooong time.

Design wise, if it were my house, I'd want a big showy plant at that front corner of your picket fence or all along the front sidewalk. Like a Ceonothus Concha (if you're in full sun with well draining soil) or a bunch of Western Redbuds (you can keep those trained to bush size if you don't want trees). Some of the bigger Salvias might be a nice screen for along the sidewalk there, without completely blocking your view of the street. Some of them get to about 5'.

Are you going to use a ground cover in the front, or just have the rock garden take up most of the yard? If so, consider Ceanothus Yankee Point (Caramel Creeper) - stays about one foot tall, and one plant can supposedly cover a 10x10 area. Mine are currently about 5x10 each, and they're something less than 5 years old. Or native strawberry (Sand Strawberry) maybe.

Here's a list of what seem to be "all star, go-to, most commonly known" CA natives, after my research and visits to Theodore Payne (but might be slanted toward socal):

Margarita BOP Penstamon (bright green foliage with extremely showy spring foliage - purple/blue blooms)

Toyon

Ceanothus Ray Hartman (pay attention to which Ceanothus tolerate garden conditions - i.e., too much water and not enough sun).

Ceanothus Concha

Ceanothus Yankee Point

Deer Grass. I don't like it but lots of people do. Be careful when planting so it doesn't look like hair plugs. It doesn't seem to spread and fill in much. Like hair plugs! :)

Our Lord's Candle - Aloe type thing. Good for contrast in texture.

Sticky Monkeyflower - there are also lots of cultivars with different colored flowers.

Salvia Pozo Blue

California Fuschia - the Catalina cultivar is 3' tall and beautiful - I have a huge stand of it that bloomed profusely from August through mid december. All the dog walkers wanted to know what it was when they passed by. Spreads by rizomes but doesn't go insane like Matilija Poppy does. Attracts hummingbirds. Well, "will attract A hummingbird" since they're territorial. My resident hummer chases away all comers, even though there is more nectar than he can drink.

California Buckwheat (make sure you like the look of them when the blooms die though - they're too hard to deadhead and you don't have time for that anyway - they will take over the yard - I had to take mine out). Attracts a ton of bees and butterflies.

Island Bush Poppy - Beautiful tidy largish shrub with cheerful poppy-like yellow flowers all year. It's foliage is a grey-green that tends toward sea foam/aqua on the new growth - just gorgeous. Mine is about 3 feet in diameter and 5 feet tall, and doing well in a part-sun area. The one in the shade wasn't flourishing.

Island Snapdragon - green foliage, medium size perrenial. I've only seen a few blooms on mine, and I've heard people complaining that it is overrated. They seem to be survivors though.

Lilac Verbena - lemon green lacy folilage with abundant purple flowers all year.

White sage. This can grow quite large but smells so nice and is a nice contrast to the greener stuff. Large almost white leaves.

Pt. Sal Spreader Sage. There is one at Theodore Payne that convinced me to try it - it has a nice 5' tall portion that kind of swoops into a swirl of ground cover. Whitish foliage, small almost white leaves.

Manzanita: Howard McMinn is used alot down here in LA, but up there they might suggest a different one, idk. Manzana is a nice filler shrub that comes in all different shapes and sizes. Not showy.

Western Redbud (beautiful pink buds/flowers in early spring, but big round bright green leaves the rest of the year - really doesn't look like a native to me - for a more "this is a green garden" look - might not contrast well with your dry creekbed).

Encelia Californica - native daisy looking yellow composites.

Coyote Bush is a nice well-behaved nondescript shrub with beautiful silver foliage and is native to your area.

Coffeeberry is a nice low-maintenance, dark green shrub that works well as a foundation shrub. Mine is growing quite happily in almost full shade. Maybe under your bedroom windows in back, or against the house in front. Mine is about 3 feet tall and deep, 6 feet wide. That might be two grown togehter, not sure.

If you like greener plants with flowers, Lavatera seems to grow well, very large, with flowers. Supposed to be short lived though. They like it in England!

Bert at Las Pilitas Nursery also has a few lists of "good plants for Monterey area gardens with light colored houses and brown picket fences". Well, not exactly, but:

http://www.laspilitas.com/blog/post--30--ten-easy-native-plants-for-the-bay-area.

http://www.laspilitas.com/nature-of-california/native-plants-san-jose.html

http://www.laspilitas.com/nature-of-california/native-plants-berkeley-oakland-hills.html

Las Pilitas also has lists that aren't on the list of lists. By googling, I was able to bring up a list of "plants that like wet, sandy, sunny areas" for example.

Up there you might want to use some Lupinus Arboreus - it comes in purple and yellow, and I think the yellow kind is native to you up there. Annie's Annuals carries it. The Lupines have a lacy soft textured foliage that I like.

Throw a bunch of CA Poppy seeds or misc local wildflower mix around to fill in the gaps.

A lot of people advise to plant things which are native to your area naturally, and they will grow better. There are lists around for those too.

Also - I would advise this: Go on the different websites: Las Pilitas (the #1 best site for choosing plants), DWP (http://www.ladwp.cafriendlylandscaping.com/ is the Los Angeles version, but every county seems to have a very similar website made by the same company - look on there for the example gardens), Annie's Annuals, San Marcos Growers, Theodore Payne, etc., and just make a huge list of the plants you like, along with: light needs, water needs, soil type needs, whether it is winter or stress deciduous, how tall and wide it grows, and if you get freezes, Las Pilitas is good at noting whether each plant will tolerate freezing. Then, if you're like me, cross out all the deciduous ones. Life's too short and there are lots of evergreens. If you have clay soil, cross out those that won't tolerate it. You already have a pretty good design going - just slot the rest of the plants in where they fit based on light needs, soil and size, and where you think they'll look good together.

Oh, another piece of advice they give: Your perrenials/trees/shrubs will look small and scrawny for at least a year. So plant annuals or short lived perrenials (poppies, clarkias, lupines, penstamons) in between them to fill in until the bigger plants mature.

Also, before you do your project, what irrigation system will you be installing? In LA they apprently require drip tubing, which is pretty horrible. All the native nurseries recommend micro sprinklers of various types. So if that is allowed for your turf rebate, get those instead, even if they're more expensive. Might as well start with what works best in your area.

For the big bed against your house at the back, maybe something like this, assuming it gets full sun: Row of Island Bush Poppy, coffeeberry or Salvia Pozo Blue against the house, with a row of taller penstamon ouside that (Penstamon Spectabolis (Showy penstamon) maybe), followed by a row of short penstamon (Penstamon Margarita BOP).

I'm currently in love with Blue Witch, but it is poisonous and you have a kid, so skip that.

Remember too: some plants will fail where they're planted, or you'll hate them - that's ok, it is allowed to pull them out and get different ones. :) I have to keep reminding myself of that so I don't overthink the whole thing. Doesn't have to be perfect the first time.