Home + Mortgage Intelligence — Not a ListingPending

25628 rolling hills way

torrance, ca 90505

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 footage—PROPERTY FACT
List price$113,400PROPERTY FACT
Automated valuation (AVM)$1,721,277ESTIMATE
Averaged from: Redfin scrape estimate (canonical), Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
25624 Rolling Hills Way, Torrance, CA 90505$1,750,000 · May 2025

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$90,720DERIVED CALCULATION
Loan-limit zoneConformingMARKET 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)6.648%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$582/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.)$72/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$28/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$682/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market38dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Prime South Torrance location blending suburban tranquility with convenient access to amenities. Strong schools and safety make it family-friendly, though car reliance is typical. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Good Amenities
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 -93.4% vs AVM $1721K
Market fit73/100DERIVED CALCULATION
Median DOM 38d, sale-to-list 1.0%
Location fit78/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit, Bike Score: Bikeable.
Key strengths
  • New construction quality
  • ADU income potential
  • Desirable Walteria neighborhood
Key concerns
  • Limited transit options
  • HOA none but shared aspects with ADU
  • Newer market with fewer long-term comps
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, 7/1/2026

0Sources & Freshness

Property record enriched: 7/1/2026 (source: unknown)
Listing snapshot fetched: 7/1/2026
Valuation, comps, and location intelligence captured: 6/5/2026
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.