Home + Mortgage Intelligence — Not a ListingFor Sale

4654 vereda mar del sol

san diego, ca 92130

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 / 2.5 baPROPERTY FACT
Square footage2,683 sqftPROPERTY FACT
List price$2,599,888PROPERTY FACT
Automated valuation (AVM)$2,508,400ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
4621 Vereda Mar Del Sol, San Diego, CA 92130$715,000 · Feb 2025
4680 Vereda Mar Del Sol, San Diego, CA 92130$685,000 · Nov 2024
4705 Caminito Empinado, San Diego, CA 92130$705,000 · Aug 2024
4550 Vereda Luz Del Sol, San Diego, CA 92130$695,000 · Mar 2025

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$2,079,910DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$13,519/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.)$1,647/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$650/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$15,816/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market16dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Desirable upscale suburban enclave in Carmel Valley with premium schools and low-maintenance lifestyle, balanced by car dependency and distance from urban cores. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat 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 fit65/100DERIVED CALCULATION
Listed +3.6% vs AVM $2508K
Market fit57/100DERIVED CALCULATION
Median DOM 16d, sale-to-list 1.0%
Location fit82/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Excellent schools and family-friendly vibe
  • Updated modern finishes and private backyard
  • Low HOA and strong location value
Key concerns
  • Car-dependent for daily needs
  • Higher list price relative to Zestimate
  • Limited transit and bike options
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 — computed from cached property intelligence, 6/1/2026

0Sources & Freshness

Property record enriched: 6/1/2026 (source: redfin)
Listing snapshot fetched: 6/1/2026
Valuation, comps, and location intelligence captured: 5/25/2026
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.
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.