Home + Mortgage Intelligence — Not a ListingFor Sale
33 winterfield rd
irvine, ca 92602
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 typesingle_familyPROPERTY FACT
Beds / Baths4 bd / 2.5 baPROPERTY FACT
Square footage2,100 sqftPROPERTY FACT
List price$1,750,000PROPERTY FACT
Automated valuation (AVM)$1,673,300ESTIMATEAveraged from: Zillow estimate
Comparable sales MARKET FACT
27 Winterfield Rd, Irvine, CA 92602$1,490,000 · Apr 2024
31 Winterfield Rd, Irvine, CA 92602$1,060,000 · Oct 2021
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$1,400,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACTOBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$9,100/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.)$1,108/moPROPERTY FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$438/moESTIMATEHomeRates.ai default: 0.3% of price annually
HOA$0/moPROPERTY FACT
Estimated monthly PITI$10,646/moDERIVED CALCULATION
4Market & Location Intelligence
Area median days on market26dMARKET FACT
Quiet residential pocket in West Irvine backing to a park, offering family-friendly environment with excellent schools and safety. Low density and no HOA fees enhance appeal. AI INTERPRETATION
Transit Score
Minimal Transit
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 CALCULATIONListed +4.6% vs AVM $1673K
Market fit41/100DERIVED CALCULATIONMedian DOM 26d · Low demand
Location fit78/100DERIVED CALCULATIONWalk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
- Backs to park
- No HOA/Mello-Roos
- Top-rated schools and safety
Key concerns
- Car-dependent for most errands
- Limited transit
- Longer days on market
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 — as computed for a HomeRates.ai user, 8/14/2026
0Sources & Freshness
Property record enriched: 8/14/2026 (source: redfin)
Listing snapshot fetched: 8/14/2026
Valuation, comps, and location intelligence captured: 6/8/2026
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.