Home + Mortgage Intelligence — Not a ListingPending

31523 aguacate rd

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 / Baths5 bd / 4 baPROPERTY FACT
Square footage4,600 sqftPROPERTY FACT
List price$2,420,000PROPERTY FACT
Automated valuation (AVM)$3,417,200ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
31302 Via Parra, San Juan Capistrano, CA 92675$1,950,000 · Aug 2026
26223 Wagon Dr, San Juan Capistrano, CA 92675$2,150,000 · Aug 2026
32442 Harvest Dr, San Juan Capistrano, CA 92675$2,720,000 · Apr 2026
27281 Calle De La Rosa, San Juan Capistrano, CA 92675$2,650,000 · Jun 2026
27413 Via Capri, San Juan Capistrano, CA 92675$1,185,000 · Aug 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$1,936,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.791%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)7.041%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$12,934/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.)$1,533/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$605/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$15,072/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market34dMARKET FACT
Area sale-to-list ratio99.3%MARKET FACT
Nestled in a peaceful, private equestrian-friendly pocket of San Juan Capistrano, this location offers exceptional privacy, views, and access to trails and historic sites while remaining convenient 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 fit92/100DERIVED CALCULATION
Listed -29.2% vs AVM $3417K
Market fit62/100DERIVED CALCULATION
Median DOM 34d, sale-to-list 99.3%
Location fit78/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Private large lot with views and trails
  • Proximity to Mission and beaches
  • Strong school district
Key concerns
  • Car-dependent for daily needs
  • Premium pricing for the area
  • Moderate wildfire considerations
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: 9/6/2026
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.