Home + Mortgage Intelligence — Not a ListingFor Sale

254 monroe

irvine, ca 92620

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 / 2.5 baPROPERTY FACT
Square footage1,411 sqftPROPERTY FACT
List price$1,180,000PROPERTY FACT
Automated valuation (AVM)$1,159,792ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
245 Monroe, Irvine, CA 92620$1,125,000 · Feb 2026
270 Monroe, Irvine, CA 92620$1,220,000 · Mar 2026
300 Monroe, Irvine, CA 92620$1,195,000 · Jan 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$944,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET 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)6.898%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$6,216/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.)$747/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$295/moESTIMATE
HomeRates.ai default: 0.3% of price annually
HOA$270/moPROPERTY FACT
Estimated monthly PITI$7,528/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market35dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Prime Northwood location in master-planned Irvine offering a quiet, family-friendly vibe with greenbelts and excellent schools. Strong community feel and convenience define this area. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Good
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 fit76/100DERIVED CALCULATION
Listed +1.7% vs AVM $1160K
Market fit64/100DERIVED CALCULATION
Median DOM 35d, sale-to-list 1.0%
Location fit85/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit, Bike Score: Bikeable.
Key strengths
  • Excellent schools and low crime
  • Community pool and amenities
  • Greenbelt views and privacy
Key concerns
  • Condo HOA fees and shared walls
  • Moderate walkability requiring some driving
  • Limited transit options

Decision Score L1-L4 (locked 2026-08-19), L2-L4 property-centered subset — computed from cached property intelligence, 6/3/2026

0Sources & Freshness

Property record enriched: 6/3/2026 (source: redfin)
Listing snapshot fetched: 6/3/2026
Valuation, comps, and location intelligence captured: 6/3/2026
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.