Home + Mortgage Intelligence — Not a ListingPending

1520 n el camino real

san clemente, ca 92672

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 / 2.5 baPROPERTY FACT
Square footage1,326 sqftPROPERTY FACT
List price$1,650,000PROPERTY FACT
Automated valuation (AVM)$1,165,678ESTIMATE
Averaged from: Redfin scrape estimate (canonical), Redfin scrape estimate (snapshot), Zillow estimate
Comparable sales MARKET FACT
1520 N El Camino Real #11, San Clemente, CA 92672—
1520 El Camino Real, San Clemente, CA 92672$1,123,000 · May 2024
1520 El Camino Real, San Clemente, CA 92672$1,385,000 · Jun 2023

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$1,320,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.999%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)7.249%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$9,004/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.)$1,045/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$413/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$10,462/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market54dMARKET FACT
Area sale-to-list ratio98.8%MARKET FACT
Prime North Beach location in San Clemente with easy beach access and ocean proximity. Strengths include views and community amenities; tradeoffs are car-dependency and extended market time. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Above 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 fit22/100DERIVED CALCULATION
Listed +41.5% vs AVM $1166K
Market fit68/100DERIVED CALCULATION
Median DOM 54d, sale-to-list 98.8%
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
  • Ocean views and coastal lifestyle
  • Gated community with rooftop deck
  • Proximity to beach, pier, and dining
Key concerns
  • Car-dependent for most errands
  • Long days on market indicating buyer caution
  • HOA fees apply (verify current amount)
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, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 9/17/2026
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.