Home + Mortgage Intelligence — Not a ListingFor Sale

2024 vista del sol

chino hills, ca 91709

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 / 2.5 baPROPERTY FACT
Square footage1,811 sqftPROPERTY FACT
List price$1,120,000PROPERTY FACT
Automated valuation (AVM)$1,104,243ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
15030 something nearby Chino Hills$738,000 · Mar 2026
Recent nearby 3-4 bed homes$710,000 · 2025-2026
Recent nearby sales up to $1.3M$1,300,000 · 2025-2026

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$896,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.648%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-21
Illustrative rate (after LLPA)6.898%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$5,900/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.)$709/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$280/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$6,889/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market35dMARKET FACT
Area sale-to-list ratio98.5%MARKET FACT
Quiet suburban Coral Ridge neighborhood in Chino Hills offering mountain and city views, strong schools, and family-friendly amenities. Low walkability and transit but excellent for those prioritizing space and safety. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Minimal Bikeability
Schools
Excellent
Safety
Low Crime
Amenities & Commute
Limited Access
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 +1.4% vs AVM $1104K
Market fit54/100DERIVED CALCULATION
Median DOM 35d, sale-to-list 98.5%
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Minimal Bikeability.
Key strengths
  • Excellent schools
  • Private backyard with pool and views
  • Turn-key condition with updates
Key concerns
  • Car-dependent location
  • Moderate wildfire risk
  • Pending status limits immediate access
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 — computed from cached property intelligence, 6/4/2026

0Sources & Freshness

Property record enriched: 6/5/2026 (source: redfin)
Listing snapshot fetched: 6/4/2026
Valuation, comps, and location intelligence captured: 6/5/2026
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: 2026-08-21 (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.