Home + Mortgage Intelligence — Not a ListingFor Sale

10951 lotta ct

san diego, ca 92126

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 / 2.5 baPROPERTY FACT
Square footage1,455 sqftPROPERTY FACT
List price$1,050,000PROPERTY FACT
Automated valuation (AVM)$1,041,631ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
10992 Lotta Ct, San Diego, CA 92126$1,115,000 · Mar 2026
10902 Lotta Ct, San Diego, CA 92126$1,043,836 · Jan 2026
10901 Lotta Ct, San Diego, CA 92126$1,033,231 · Feb 2026

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$840,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.648%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-21
Illustrative rate (after LLPA)6.898%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$5,531/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.)$665/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$263/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$6,459/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market25dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Quiet newer townhome community in Mira Mesa with convenient access to amenities and employment hubs. Low climate risks support long-term stability. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Above Average
Safety
Average
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 +0.8% vs AVM $1042K
Market fit55/100DERIVED CALCULATION
Median DOM 25d, sale-to-list 98.0%
Location fit72/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit
Key strengths
  • Modern 2021 construction
  • Competitive pricing vs comps
  • Low wildfire risk
Key concerns
  • Car-dependent location
  • Limited transit
  • Newer subdivision amenities still maturing
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 — as computed for a HomeRates.ai user, 6/29/2026

0Sources & Freshness

Property record enriched: 6/28/2026 (source: redfin)
Listing snapshot fetched: 6/28/2026
Valuation, comps, and location intelligence captured: 6/28/2026
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: 2026-08-21 (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.