Home + Mortgage Intelligence — Not a ListingFor Sale

29902 hillside ter

san juan capistrano, ca 92675

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 / Baths6 bd / 6 baPROPERTY FACT
Square footage4,742 sqftPROPERTY FACT
List price$3,695,000PROPERTY FACT
Automated valuation (AVM)$3,518,400ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
30002 Hillside Ter, San Juan Capistrano, CA 92675$2,100,000 · Aug 2023
29942 Hillside Ter, San Juan Capistrano, CA 92675$1,499,000 · Dec 2020
29962 Hillside Ter, San Juan Capistrano, CA 92675$1,200,000 · Aug 2015

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$2,956,000DERIVED 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$19,214/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.)$2,340/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$924/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$22,478/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market34dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Nestled in the exclusive Stoneridge Estates, this property offers serene hillside living with equestrian trails and community recreation amid rolling terrain and open space, blending privacy with proximity to coastal amenities. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Above 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 fit65/100DERIVED CALCULATION
Listed +5.0% vs AVM $3518K
Market fit50/100DERIVED CALCULATION
Median DOM 40d, sale-to-list 100.0% · Low demand
Location fit72/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Private gated equestrian community with extensive trails
  • Panoramic views and resort-style pool/spa
  • Low-density, quiet neighborhood
Key concerns
  • Car-dependent location with minimal walkability
  • Moderate wildfire exposure common to the area
  • Higher price point relative to ZIP median
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, 8/21/2026

0Sources & Freshness

Property record enriched: 8/21/2026 (source: redfin)
Listing snapshot fetched: 8/21/2026
Valuation, comps, and location intelligence captured: 8/20/2026
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.