Home + Mortgage Intelligence — Not a ListingFor Sale
1312 dover dr
newport beach, ca 92660
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 / Baths5 bd / 5 baPROPERTY FACT
Square footage5,206 sqftPROPERTY FACT
List price$6,800,000PROPERTY FACT
Automated valuation (AVM)$6,553,100ESTIMATEAveraged from: Zillow estimate
Comparable sales MARKET FACT
1212 Dover Dr, Newport Beach, CA 92660$3,190,000 · Dec 2025
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$5,440,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACTOBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$35,360/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.)$4,307/moPROPERTY FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$1,700/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$41,367/moDERIVED CALCULATION
4Market & Location Intelligence
Upscale, quiet coastal enclave in Dover Shores offering premium lifestyle with easy access to water, beaches and amenities while maintaining privacy. AI INTERPRETATION
Transit Score
Some Transit
Amenities & Commute
Excellent
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 CALCULATIONListed +3.8% vs AVM $6553K
Market fit65/100DERIVED CALCULATIONMarket data limited
Location fit78/100DERIVED CALCULATIONWalk Score: Very Walkable, Transit Score: Some Transit, Bike Score: Very Bikeable.
Key strengths
- Prime location near Back Bay and Newport Harbor
- Strong school district and low crime
- Resort-like living with pool and outdoor amenities
Key concerns
- Car-dependent for some transit needs
- High property taxes typical of Newport Beach
- Competitive luxury market with auction element
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 — computed from cached property intelligence, 5/26/2026
0Sources & Freshness
Property record enriched: 5/26/2026 (source: redfin)
Listing snapshot fetched: 5/26/2026
Valuation, comps, and location intelligence captured: 5/26/2026
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.