Home + Mortgage Intelligence — Not a ListingFor Sale

1123 seaview ave

pacific grove, ca 93950

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 / 1.5 baPROPERTY FACT
Square footage1,865 sqftPROPERTY FACT
List price$1,150,000PROPERTY FACT
Automated valuation (AVM)$1,120,000ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
352 Bishop Ave, Pacific Grove, CA 93950$1,353,850 · Apr 2025
313 Bishop Ave, Pacific Grove, CA 93950$1,670,000 · Nov 2024
1150 Seaview Ave, Pacific Grove, CA 93950$900,000 · 2025
1132 Seaview Ave, Pacific Grove, CA 93950$1,350,000 · May 2024
329 Stuart Ave, Pacific Grove, CA 93950$1,720,000 · Jul 2024

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$920,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor7.326%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-10-02
Illustrative rate (after LLPA)7.576%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$6,481/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.)$728/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$288/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$7,497/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market38dMARKET FACT
Area sale-to-list ratio97.3%MARKET FACT
Charming coastal neighborhood in Pacific Grove with easy beach and downtown access; strong community feel but requires vehicle for broader travel. AI INTERPRETATION
Walk Score
Very Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Good
Wildfire Risk
Low

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 fit92/100DERIVED CALCULATION
Listed -20.3% vs AVM $1443K
Market fit54/100DERIVED CALCULATION
Median DOM 38d, sale-to-list 98.4% · Low demand
Location fit82/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Minimal Transit.
Key strengths
  • Coastal location and walkability
  • Quality local schools
  • Low natural disaster risk
Key concerns
  • Limited transit
  • Higher property taxes typical of area
  • Fixer condition impacts immediate appeal
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 — as computed for a HomeRates.ai user, 9/12/2026

0Sources & Freshness

Property record enriched: 9/12/2026 (source: redfin)
Listing snapshot fetched: 9/12/2026
Valuation, comps, and location intelligence captured: 10/6/2026
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: 2026-10-02 (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.