Home + Mortgage Intelligence — Not a ListingPending

plan 3 plan

irvine, ca 92618

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 / 3 baPROPERTY FACT
Square footage2,951 sqftPROPERTY FACT
List price$2,930,000PROPERTY FACT
Automated valuation (AVM)$3,089,430ESTIMATE
Averaged from: Redfin scrape estimate (canonical), Redfin scrape estimate (snapshot)
Comparable sales MARKET FACT
Plan 3, Parallel at Luna Park, Irvine, CA 92618$1,545,990 · Jan 2026
Plan 3, Icon at Luna Park, Irvine, CA 92618$1,745,031 · Sep 2026
131 Okra, Irvine, CA 92618$1,590,000 · Sep 2026

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$2,344,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.907%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)7.157%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$15,843/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.)$1,856/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$733/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$18,432/moDERIVED CALCULATION

4Market & Location Intelligence

Area sale-to-list ratio1.0%MARKET FACT
Located in the desirable Great Park Neighborhoods of Irvine, this plan benefits from a master-planned environment with abundant green spaces, trails, and community facilities. Strengths include excellent schools and safety; trade-offs involve car dependency for most daily activities. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Excellent
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 fit92/100DERIVED CALCULATION
Listed -5.2% vs AVM $3089K
Market fit90/100DERIVED CALCULATION
sale-to-list 1.0%
Location fit85/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Premium master-planned community with extensive amenities
  • Top-rated schools and safe neighborhood
  • Modern new construction potential
Key concerns
  • Primarily car-dependent location
  • New build timelines and customization costs
  • Higher price point relative to market median
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 — computed from cached property intelligence, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 9/22/2026
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.