Home + Mortgage Intelligence — Not a ListingPending

5722 e stillwater ave #84

orange, ca 92869

HomeRates.ai is not a listing service and has no listing relationship to this property. This page is the financial and decision-intelligence layer HomeRates.ai builds around a real address, organized into five public intelligence categories — each figure labeled by the kind of claim it is.

1Property & Value Intelligence

Property typeNot resolvedPROPERTY FACT
Beds / Baths2 bd / 2 baPROPERTY FACT
Square footage991 sqftPROPERTY FACT
List price$635,000PROPERTY FACT
Automated valuation (AVM)$613,745ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
5722 E Stillwater Ave, Orange, CA 92869$615,000 · Apr 2026
5722 E Stillwater Ave, Orange, CA 92869$656,000 · Apr 2026
5722 E Stillwater Ave Unit 10, Orange, CA 92869$691,000 · Apr 2026
5722 E Stillwater Ave Unit 85, Orange, CA 92869$730,000 · Apr 2026

2Financing Intelligence

Illustrative scenario only — 20% down, 740 credit score, conventional, 30yr fixed, primary residence. Not a personalized quote or a commitment to lend. ILLUSTRATIVE ASSUMPTION

Illustrative loan amount$508,000DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.881%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-09-11
Illustrative rate (after LLPA)6.881%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$3,339/moDERIVED CALCULATION

Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.

LLPA estimates are a pricing calculation only — they do not represent or imply loan eligibility, underwriting approval, or a commitment to lend. Based on the publicly posted Fannie Mae matrix. Actual lender pricing varies by loan program, lender margin, and market conditions. Consult a licensed mortgage professional to determine eligibility.

3Ownership Cost Intelligence

Property tax (est.)$402/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$159/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$3,900/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market19dMARKET FACT
Area sale-to-list ratio97.7%MARKET FACT
Nestled in the Hills of Orange, this Canyon Glen condo offers a peaceful resort-like setting with mature landscaping and easy access to parks and trails. Strengths include community amenities and location convenience, while tradeoffs involve car dependency and moderate climate risks. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Some Transit
Bike Score
Somewhat Bikeable
Schools
Average
Safety
Average
Amenities & Commute
Excellent
Wildfire Risk
Moderate

5Decision Intelligence

Property-centered only — price-vs-value fit, market fit, and location fit. This is not a buyer-specific affordability score and HomeRates.ai never publishes Personal Fit or any real buyer's Decision Score.

Value fit65/100DERIVED CALCULATION
Listed +3.5% vs AVM $614K
Market fit61/100DERIVED CALCULATION
Median DOM 19d, sale-to-list 97.7%
Location fit72/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Some Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Resort-style pools, spa, and trails
  • Proximity to Chapman University and Old Towne Orange
  • No Mello-Roos taxes
Key concerns
  • Car-dependent for most errands
  • Moderate wildfire risk in region
  • HOA fees apply
What's missing / verify before an offer
  • HOA dues have not been confirmed, so PITIA and the complete monthly housing obligation cannot yet be determined.
  • Current listing status and a personalized rate quote from a licensed lender.

Decision Score L1-L4 (locked 2026-08-19), L2-L4 property-centered subset — computed from cached property intelligence, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 9/9/2026
Fannie Mae Loan-Level Price Adjustment (LLPA) Matrix, effective 01/28/2026 — singlefamily.fanniemae.com/media/9391/display (publicly available). This Matrix supersedes any earlier dated version; re-verify before relying on it for a lending decision.
Market rate observed: 2026-09-11 (FRED / OBMMI)
Page generated at request time from stored HomeRates.ai intelligence — no figure on this page is generated by an AI model without being labeled as such.