Home + Mortgage Intelligence — Not a ListingFor Sale

28111 pacifica del mar

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 / Baths4 bd / 4.5 baPROPERTY FACT
Square footage3,546 sqftPROPERTY FACT
List price$3,195,000PROPERTY FACT
Automated valuation (AVM)$2,947,591ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
28102 Pacifica Del Mar, San Juan Capistrano, CA 92675$3,600,000 · Dec 2024
28142 Pacifica Del Mar, San Juan Capistrano, CA 92675$1,225,000 · May 2017
28121 Pacifica Del Mar, San Juan Capistrano, CA 92675$1,300,000 · Jul 2016
28112 Pacifica Del Mar, San Juan Capistrano, CA 92675$1,273,000 · Jan 2013

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$2,556,000DERIVED 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$16,614/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.)$2,024/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$799/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$19,437/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market31dMARKET FACT
Area sale-to-list ratio99.4%MARKET FACT
A desirable gated coastal enclave offering privacy, views, and proximity to beaches and trails in San Juan Capistrano. Strong community appeal with modern updates enhancing livability. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat 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 fit52/100DERIVED CALCULATION
Listed +8.4% vs AVM $2948K
Market fit54/100DERIVED CALCULATION
Median DOM 31d, sale-to-list 99.4%
Location fit78/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Ocean/harbor views
  • Gated security and community amenities
  • Recent renovations
Key concerns
  • Car-dependent location
  • Premium pricing relative to comps
  • New listing with limited history
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, 5/29/2026

0Sources & Freshness

Property record enriched: 5/29/2026 (source: redfin)
Listing snapshot fetched: 5/29/2026
Valuation, comps, and location intelligence captured: 5/29/2026
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.