Home + Mortgage Intelligence — Not a ListingFor Sale

1485 e avenida de los arboles

thousand oaks, ca 91360

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 footage1,218 sqftPROPERTY FACT
List price$769,000PROPERTY FACT
Automated valuation (AVM)$678,908ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
1495 E Avenida de los Arboles, Thousand Oaks, CA 91360$580,000 · Jan 2006
1531 E Avenida de los Arboles, Thousand Oaks, CA 91360—

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$615,200DERIVED 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$3,949/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.)$487/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$192/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$4,628/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market45dMARKET FACT
Area sale-to-list ratio99.2%MARKET FACT
Quiet mid-century neighborhood on the edge of open space with mature trees and canyon views, offering a relaxed suburban lifestyle with easy access to trails and local amenities but requiring a car for most daily needs. AI INTERPRETATION
Walk Score
Some walkability
Transit Score
Minimal Transit
Bike Score
Some bikeability
Schools
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 fit84/100DERIVED CALCULATION
Listed -0.9% vs AVM $776K
Market fit55/100DERIVED CALCULATION
Median DOM 40d, sale-to-list 100.0%
Location fit68/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Minimal Transit
Key strengths
  • Spacious lots and outdoor living potential
  • Proximity to nature and cultural spots
  • Strong community in desirable Thousand Oaks
Key concerns
  • Car-dependent with limited transit
  • Moderate wildfire exposure typical of area
  • Higher median prices in broader market
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, 7/2/2026

0Sources & Freshness

Property record enriched: 7/2/2026 (source: redfin)
Listing snapshot fetched: 7/2/2026
Valuation, comps, and location intelligence captured: 8/25/2026
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.