Home + Mortgage Intelligence — Not a ListingPending

605 locust street

bakersfield ca 93308

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 / 1 baPROPERTY FACT
Square footage768 sqftPROPERTY FACT
List price$265,000PROPERTY FACT
Automated valuation (AVM)$265,000ESTIMATE
Averaged from: Redfin scrape estimate (snapshot)
Comparable sales MARKET FACT
610 Locust Street, Bakersfield CA 93308$275,000 · Dec 2024
615 Pine Street, Bakersfield CA 93308$250,000 · Mar 2025
600 Oak Avenue, Bakersfield CA 93308$280,000 · Nov 2024

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$212,000DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.599%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-24
Illustrative rate (after LLPA)6.599%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$1,354/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.)$168/moESTIMATE
CA average effective property tax rate — 0.76%/yr
Homeowners insurance (est.)$66/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$1,588/moDERIVED CALCULATION

4Market & Location Intelligence

No market or location intelligence on record for this property.

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 +0.0% vs AVM $265K
Market fit65/100DERIVED CALCULATION
Market data limited
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, 8/27/2026

0Sources & Freshness

Property record enriched: 8/1/2026 (source: web_search)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 5/21/2026
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: 2026-08-24 (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.