Home + Mortgage Intelligence — Not a ListingFor Sale

9624 wexford cir

granite bay, ca 95746

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 / 5.5 baPROPERTY FACT
Square footage7,575 sqftPROPERTY FACT
List price$2,988,000PROPERTY FACT
Automated valuation (AVM)$2,872,533ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
9780 Wexford Cir, Granite Bay, CA 95746— · Apr 2026
9631 Wexford Cir, Granite Bay, CA 95746—

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$2,390,400DERIVED 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$15,537/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.)$1,892/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$747/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$18,176/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market29dMARKET FACT
Area sale-to-list ratio100.0%MARKET FACT
Exclusive gated enclave in desirable Granite Bay offering privacy, luxury amenities, and top schools with convenient access to golf and recreation. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Excellent
Safety
Very Safe
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 fit65/100DERIVED CALCULATION
Listed +4.0% vs AVM $2873K
Market fit46/100DERIVED CALCULATION
Median DOM 29d, sale-to-list 100.0%
Location fit82/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Gated security and community amenities
  • Premium schools and low density
  • Resort-like private grounds
Key concerns
  • Car-dependent location
  • Higher property taxes and HOA
  • Moderate wildfire considerations
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, 6/7/2026

0Sources & Freshness

Property record enriched: 6/7/2026 (source: redfin)
Listing snapshot fetched: 6/7/2026
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.