Home + Mortgage Intelligence — Not a ListingPending

25336 village 25

camarillo, ca 93012

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 / Baths2 bd / 2 baPROPERTY FACT
Square footage1,698 sqftPROPERTY FACT
List price$801,000PROPERTY FACT
Automated valuation (AVM)$814,815ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
25225 Village 25, Camarillo, CA 93012$735,000 · Jul 2025
25124 Village 25, Camarillo, CA 93012$475,000 · Jul 2026
25312 Village 25, Camarillo, CA 93012$291,500 · Jan 2026
25307 Village 25, Camarillo, CA 93012$625,000 · Jun 2026
29201 Village 29, Camarillo, CA 93012$821,000 · Jul 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$640,800DERIVED 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$4,212/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.)$507/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$200/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$4,919/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market55dMARKET FACT
Area sale-to-list ratio99.2%MARKET FACT
Leisure Village offers a vibrant, amenity-rich 55+ lifestyle with on-site recreation in a secure gated setting. Strengths include extensive community facilities and low-maintenance living; trade-offs are age restrictions and car dependency. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Below Average
Safety
Low Crime
Amenities & Commute
Excellent
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 fit76/100DERIVED CALCULATION
Listed +1.9% vs AVM $814K
Market fit68/100DERIVED CALCULATION
Median DOM 53d, sale-to-list 98.0%
Location fit68/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Minimal Transit
Key strengths
  • Resort-style amenities and social clubs
  • Gated security and low crime
  • Remodeled homes with modern updates
Key concerns
  • 55+ age restriction limits resale
  • Higher HOA fees
  • Car-dependent for external needs
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, 6/12/2026

0Sources & Freshness

Property record enriched: 9/1/2026 (source: unknown)
Listing snapshot fetched: 9/1/2026
Valuation, comps, and location intelligence captured: 9/10/2026
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.