Home + Mortgage Intelligence — Not a ListingFor Sale

21431 stans ln

laguna beach, ca 92651

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 / Baths3 bd / 2 baPROPERTY FACT
Square footage2,700 sqftPROPERTY FACT
List price$2,900,000PROPERTY FACT
Automated valuation (AVM)$2,801,563ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
21391 Stans Ln, Laguna Beach, CA 92651$1,755,232 · Aug 2025
21392 Stans Ln, Laguna Beach, CA 92651$1,533,593 · May 2025
21398 Stans Ln, Laguna Beach, CA 92651$1,167,394 · Apr 2025

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$2,320,000DERIVED 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$15,499/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.)$1,837/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$725/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$18,061/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market40dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Secluded 2-acre hillside parcel in Laguna Canyon offering privacy and mountain views, with strong development potential but limited walkability and transit. Balances tranquility with reasonable access to Laguna Beach amenities and freeways, though wildfire risk is a notable consideration. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Below Average
Safety
Very Safe
Amenities & Commute
Average
Wildfire Risk
High

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 +3.5% vs AVM $2802K
Market fit40/100DERIVED CALCULATION
Low demand
Location fit55/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Large buildable acreage with multi-family zoning
  • Privacy and natural surroundings
  • Proximity to beaches and cultural attractions
Key concerns
  • Car-dependent location
  • High wildfire risk in canyon terrain
  • Existing dwellings likely require significant work or removal
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 — as computed for a HomeRates.ai user, 9/14/2026

0Sources & Freshness

Property record enriched: 9/14/2026 (source: redfin)
Listing snapshot fetched: 9/14/2026
Valuation, comps, and location intelligence captured: 9/14/2026
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.