Home + Mortgage Intelligence — Not a ListingPending

34541 camino capistrano

dana point, ca 92624

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 footage2,677 sqftPROPERTY FACT
List price$50,015PROPERTY FACT
Automated valuation (AVM)$7,320,800ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
35031 Camino Capistrano, Dana Point, CA 92624$6,995,000 · Mar 2026
35451 Camino Capistrano, Dana Point, CA 92624$4,964,000 · Jan 2026
34532 Camino Capistrano, Dana Point, CA 92624$4,717,500 · Feb 2026
34801 Camino Capistrano, Dana Point, CA 92624$2,398,000 · Nov 2025
34693 Camino Capistrano Unit B, Dana Point, CA 92624$3,360,000 · Oct 2025

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$40,012DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.881%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-09-11
Illustrative rate (after LLPA)6.881%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$263/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.)$32/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$13/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$308/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market96dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Iconic bluff-top setting in exclusive Capistrano Beach delivers panoramic Pacific views and direct surf access in a quiet, upscale enclave. Strengths include unmatched location and recent renovations; minor tradeoffs are car dependency and premium pricing. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Above Average
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 -99.3% vs AVM $7321K
Market fit90/100DERIVED CALCULATION
Median DOM 96d, sale-to-list 1.0%
Location fit88/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Unparalleled ocean and harbor views
  • Turnkey condition with major upgrades
  • Proximity to beaches and harbor amenities
Key concerns
  • High property taxes and insurance costs
  • Car-dependent for most daily needs
  • Limited inventory and high entry price
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: 9/7/2026
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: 2026-09-11 (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.