Home + Mortgage Intelligence — Not a ListingFor Sale

4583 tilbury ct

santa maria, ca 93455

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 / 3 baPROPERTY FACT
Square footage1,968 sqftPROPERTY FACT
List price$899,000PROPERTY FACT
Automated valuation (AVM)$877,800ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
4635 Tilbury Ct, Santa Maria, CA 93455$630,000 · Oct 2021
4589 Tilbury Ct, Santa Maria, CA 93455$639,900 · Oct 2022
4020 Greenbriar Ct, Santa Maria, CA 93455$530,000 · May 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$719,200DERIVED 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$4,616/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.)$569/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$225/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$5,410/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market35dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Suburban Orcutt neighborhood on a quiet court, offering family-friendly living with easy access to amenities yet requiring a car for most needs. Solid value in a recovering market but monitor climate risks. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Average
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 +4.9% vs AVM $857K
Market fit54/100DERIVED CALCULATION
Median DOM 35d, sale-to-list 98.0% · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Quiet cul-de-sac
  • Updated interiors
  • Downstairs bedroom option
Key concerns
  • Car-dependent location
  • Moderate wildfire exposure
  • Older build requiring maintenance
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, 8/7/2026

0Sources & Freshness

Property record enriched: 8/9/2026 (source: redfin)
Listing snapshot fetched: 8/9/2026
Valuation, comps, and location intelligence captured: 8/7/2026
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.