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Home + Mortgage Intelligence — Not a ListingStatus Unconfirmed

107 Oxford #34

Irvine, CA 92612

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 / 2.5 baPROPERTY FACT
Square footage1,134 sqftPROPERTY FACT
List price—PROPERTY FACT
Automated valuation (AVM)$929,702ESTIMATE
Averaged from: Redfin scrape estimate (canonical), Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
109 Oxford #33, Irvine, CA$929,658 · Recent
103 Oxford #36, Irvine, CA— · Recent

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$743,762DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.881%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-09-11
Illustrative rate (after LLPA)6.881%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$4,889/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.)$527/moMARKET FACT
National average effective property tax rate — 0.68%/yr
Homeowners insurance (est.)$232/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$5,648/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market48dMARKET FACT
Area sale-to-list ratio99.0%MARKET FACT
Vibrant campus-adjacent neighborhood with excellent walk/bike access to UCI, shopping, and parks in a master-planned safe community. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Biker's Paradise
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 -8.3% vs AVM $970K
Market fit58/100DERIVED CALCULATION
Median DOM 48d, sale-to-list 99.0% · Low demand
Location fit78/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit.
Key strengths
  • Proximity to UC Irvine
  • Community amenities
  • Strong schools
Key concerns
  • Condo living with HOA
  • Older build (1981)
  • Limited parking details
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, 8/7/2026

0Sources & Freshness

Property record enriched: 8/7/2026 (source: featured_properties_pilot_backfill)
Valuation, comps, and location intelligence captured: 8/7/2026
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: 2026-09-11 (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.