Home + Mortgage Intelligence — Not a ListingFor Sale

23782 lagarto

mission viejo, ca 92691

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 / Baths4 bd / 3 baPROPERTY FACT
Square footage2,175 sqftPROPERTY FACT
List price$1,599,900PROPERTY FACT
Automated valuation (AVM)$1,595,750ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
23752 Lagarto, Mission Viejo, CA 92691$1,590,000 · Jun 2026
24102 Via Madrugada, Mission Viejo, CA 92692$1,690,000 · Aug 2026
22931 Calle Azorin, Mission Viejo, CA 92692$2,250,000 · Aug 2026
26461 Montecito Ln, Mission Viejo, CA 92691$1,250,000 · Aug 2026

2Financing Intelligence

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

Illustrative loan amount$1,279,920DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.492%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.742%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$8,295/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.)$1,013/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$400/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$9,708/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market31dMARKET FACT
Area sale-to-list ratio99.4%MARKET FACT
Quiet suburban neighborhood in central Mission Viejo featuring tree-lined streets, excellent schools, and exclusive lake access. Strong community amenities offset moderate wildfire considerations common to Southern California. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Good
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 +3.1% vs AVM $1552K
Market fit40/100DERIVED CALCULATION
Low early demand
Key strengths
  • Premium Lake Mission Viejo membership
  • Top-rated schools and safe family environment
  • Upgraded homes with strong appreciation potential
Key concerns
  • Car-dependent for most errands
  • Moderate wildfire risk typical of the region
  • Higher price point for pool/lake features
What's missing / verify before an offer
  • HOA fee not confirmed.
  • 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, 6/18/2026

0Sources & Freshness

Property record enriched: 6/18/2026 (source: redfin)
Listing snapshot fetched: 6/18/2026
Valuation, comps, and location intelligence captured: 8/30/2026
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.
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.