Home + Mortgage Intelligence — Not a ListingFor Sale

100 terraza san carlos

la habra, ca 90631

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 / 3 baPROPERTY FACT
Square footage2,812 sqftPROPERTY FACT
List price$1,475,000PROPERTY FACT
Automated valuation (AVM)$1,308,823ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
1360 El Terraza Dr, La Habra Heights, CA 90631$1,990,000 · Sep 2025
820 Durham St, La Habra, CA 90631$865,000 · Aug 2026
1700 W El Portal Dr, La Habra, CA 90631$915,000 · Aug 2026
1630 Agave Ave, La Habra, CA 90631$1,390,000 · Aug 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$1,180,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.584%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-25
Illustrative rate (after LLPA)6.834%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$7,719/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.)$934/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$369/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$9,022/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market39dMARKET FACT
Area sale-to-list ratio98.9%MARKET FACT
Quiet residential street in a family-oriented Orange County suburb with good access to nature and amenities but dependent on cars for daily needs. Strong value relative to coastal OC markets, balanced against moderate climate risks. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Above Average
Safety
Average
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 fit38/100DERIVED CALCULATION
Listed +12.7% vs AVM $1309K
Market fit54/100DERIVED CALCULATION
Median DOM 39d, sale-to-list 98.9% · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Spacious lots and suburban quiet
  • Solid school ratings
  • Proximity to employment corridors
Key concerns
  • Car-dependent lifestyle
  • Moderate wildfire exposure
  • Slower home appreciation than coastal areas
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, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: redfin)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 8/27/2026
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: 2026-08-25 (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.