Home + Mortgage Intelligence — Not a ListingFor Sale

1337 terrace way

laguna beach, ca 92651

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 / 3.5 baPROPERTY FACT
Square footage3,200 sqftPROPERTY FACT
List price$3,395,000PROPERTY FACT
Automated valuation (AVM)$3,162,750ESTIMATE
Averaged from: Redfin scrape estimate (canonical), Redfin scrape estimate (snapshot)
Comparable sales MARKET FACT
1450 Terrace Way, Laguna Beach, CA 92651$3,560,000 · May 2026
1385 Terrace Way, Laguna Beach, CA 92651$2,840,000 · Aug 2025
1408 Terrace Way, Laguna Beach, CA 92651$2,510,000 · Oct 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$2,716,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.791%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)7.041%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$18,144/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.)$2,150/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$849/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$21,143/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market19dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Perched in desirable Temple Hills with sweeping ocean views, this location combines coastal prestige with village convenience. Strong school district and lifestyle amenities define the appeal, though hillside setting brings moderate wildfire considerations. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Excellent Amenities
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 fit52/100DERIVED CALCULATION
Listed +7.3% vs AVM $3163K
Market fit57/100DERIVED CALCULATION
Median DOM 19d, sale-to-list 1.0%
Location fit78/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Ocean views
  • Prime Temple Hills location
  • Access to Laguna Village
Key concerns
  • Needs renovation
  • Hillside access
  • Moderate wildfire risk
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 — computed from cached property intelligence, 9/15/2026

0Sources & Freshness

Property record enriched: 9/15/2026 (source: redfin)
Listing snapshot fetched: 9/15/2026
Valuation, comps, and location intelligence captured: 9/15/2026
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.