Home + Mortgage Intelligence — Not a ListingPending

4230 n virginia rd

long beach, ca 90807

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 / Baths3 bd / 3.5 baPROPERTY FACT
Square footage4,217 sqftPROPERTY FACT
List price$3,400,000PROPERTY FACT
Automated valuation (AVM)$3,863,094ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
4101 Pacific Ave, Long Beach, CA 90807$3,875,000 · Oct 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$2,720,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor7.403%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)7.653%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$19,304/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.)$2,153/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$850/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$22,307/moDERIVED CALCULATION

4Market & Location Intelligence

Prestigious Virginia Country Club location offers exclusive golf views and privacy in a historic, upscale Long Beach enclave with strong community feel and excellent schools. AI INTERPRETATION
Walk Score
Very Walkable
Transit Score
Good Transit
Bike Score
Very Bikeable
Schools
Above Average
Safety
Very Safe
Amenities & Commute
Some Amenities
Wildfire Risk
None

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 -12.0% vs AVM $3863K
Market fit65/100DERIVED CALCULATION
Market data limited
Location fit78/100DERIVED CALCULATION
Walk Score: Very Walkable, Transit Score: Good Transit, Bike Score: Very Bikeable.
Key strengths
  • Direct golf course frontage and access
  • Luxury renovated turnkey condition
  • Quiet, safe, walkable neighborhood
Key concerns
  • Higher price point for club-adjacent living
  • Limited transit options compared to urban core
  • HOA or club fees may apply (verify)
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, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 10/9/2026
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.