Home + Mortgage Intelligence — Not a ListingFor Sale

16424 s denker ave

gardena, ca 90247

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 baPROPERTY FACT
Square footage2,100 sqftPROPERTY FACT
List price$899,000PROPERTY FACT
Automated valuation (AVM)$872,200ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
17117 S Denker Ave, Gardena, CA 90247$1,020,000 · Sep 2026
1139 W 159th St, Gardena, CA 90247$915,000 · Sep 2026
1037 W 133rd St, Gardena, CA 90247$760,000 · Sep 2026
17513 S Budlong Ave, Gardena, CA 90248$955,000 · Sep 2026
15312 Purche Ave, Gardena, CA 90249$900,000 · Aug 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$719,200DERIVED 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$4,728/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.)$569/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$225/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$5,522/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market42dMARKET FACT
Gardena neighborhood offers a suburban feel with convenient access to South Bay amenities and LA job centers. Strengths include stable pricing trends and everyday conveniences, while risks center on typical urban traffic and moderate appreciation potential. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Average
Safety
Average
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 +6.1% vs AVM $848K
Market fit50/100DERIVED CALCULATION
Median DOM 42d · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Some Transit.
Key strengths
  • Proximity to shopping and dining
  • Established residential area
  • Competitive listing price relative to recent sales
Key concerns
  • Limited transit options
  • Average school ratings
  • Urban density
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 — as computed for a HomeRates.ai user, 9/10/2026

0Sources & Freshness

Property record enriched: 9/9/2026 (source: redfin)
Listing snapshot fetched: 9/9/2026
Valuation, comps, and location intelligence captured: 9/12/2026
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.