Home + Mortgage Intelligence — Not a ListingFor Sale

15432 cherbourg ave

irvine, ca 92604

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 / 2.5 baPROPERTY FACT
Square footage2,086 sqftPROPERTY FACT
List price$1,695,000PROPERTY FACT
Automated valuation (AVM)$1,653,636ESTIMATE
Averaged from: Redfin scrape estimate (canonical), Redfin scrape estimate (snapshot)
Comparable sales MARKET FACT
15441 Cherbourg Ave, Irvine, CA 92604$1,780,000 · Oct 2024
15351 Cherbourg Ave, Irvine, CA 92604$1,560,000 · Aug 2025
15402 Cherbourg Ave, Irvine, CA 92604$465,000 · Jul 2003

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$1,356,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.999%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)7.249%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$9,249/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.)$1,074/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$424/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$10,747/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market40dMARKET FACT
Area sale-to-list ratio100.0%MARKET FACT
Quiet, established residential neighborhood in central Irvine with good schools and parks. Strong community feel but car-dependent for most daily needs. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Somewhat 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 fit76/100DERIVED CALCULATION
Listed +2.5% vs AVM $1654K
Market fit50/100DERIVED CALCULATION
Median DOM 40d, sale-to-list 100.0%
Location fit75/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Excellent public schools
  • Mature neighborhood with parks
  • Proximity to Irvine amenities
Key concerns
  • Limited walkability and transit
  • Typical suburban lot sizes
  • Market has cooled slightly year-over-year
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, 9/16/2026

0Sources & Freshness

Property record enriched: 9/16/2026 (source: redfin)
Listing snapshot fetched: 9/16/2026
Valuation, comps, and location intelligence captured: 9/14/2026
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.