Home + Mortgage Intelligence — Not a ListingPending

25006 malibu rd

malibu, ca 90265

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 / 4 baPROPERTY FACT
Square footage3,305 sqftPROPERTY FACT
List price$12,995,000PROPERTY FACT
Automated valuation (AVM)$13,710,428ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
23349 Malibu Colony Rd, Malibu, CA 90265$17,000,000 · Feb 2026
24956 Malibu Rd, Malibu, CA 90265$9,724,500 · May 2018

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$10,396,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$67,573/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.)$8,230/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$3,249/moESTIMATE
HomeRates.ai default: 0.3% of price annually
HOA$0/moPROPERTY FACT
Estimated monthly PITI$79,052/moDERIVED CALCULATION

4Market & Location Intelligence

Exclusive gated beachfront on Malibu's most desirable sandy stretch offering privacy, direct ocean access, and stunning views. Key strengths include prime location and luxury features; risks center on coastal hazards and limited walkability. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Average
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 fit92/100DERIVED CALCULATION
Listed -5.2% vs AVM $13710K
Market fit32/100DERIVED CALCULATION
Property at 12d on market (area stats pending)
Location fit65/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Direct sandy beach access and whitewater views
  • Gated privacy in iconic Malibu Road location
  • Updated luxury amenities including guest house and gym
Key concerns
  • Car-dependent lifestyle with low walk/transit scores
  • High property taxes and insurance costs typical of coastal Malibu
  • Moderate wildfire risk in broader region
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, 6/1/2026

0Sources & Freshness

Property record enriched: 6/1/2026 (source: web_search)
Listing snapshot fetched: 6/1/2026
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.