Home + Mortgage Intelligence — Not a ListingFor Sale
1621 cedar
santa ana, ca 92707
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 / Baths7 bd / 4 baPROPERTY FACT
Square footage3,279 sqftPROPERTY FACT
List price$1,250,000PROPERTY FACT
Automated valuation (AVM)$1,246,784ESTIMATEAveraged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
2083 S Cedar St, Santa Ana, CA 92707$870,000 · Jun 2026
1621 Evergreen St, Santa Ana, CA 92707$435,000 · Apr 2010
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$1,000,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.648%MARKET FACTOBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-21
Illustrative rate (after LLPA)6.898%DERIVED CALCULATION1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$6,585/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.)$792/moPROPERTY FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$313/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$7,690/moDERIVED CALCULATION
4Market & Location Intelligence
Area median days on market43dMARKET FACT
Central Santa Ana multi-family location with convenient freeway access and local amenities. Strengths include walkability and rental demand; trade-offs include typical urban density. AI INTERPRETATION
Transit Score
Some Transit
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 CALCULATIONListed +0.3% vs AVM $1247K
Market fit55/100DERIVED CALCULATIONMedian DOM 43d
Location fit68/100DERIVED CALCULATIONWalk Score: Very Walkable, Transit Score: Some Transit
Key strengths
- Proximity to freeways and airport
- Private unit features like garages and patios
- Stable rental market
Key concerns
- Older 1961 construction
- Urban neighborhood density
- Average transit options
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 — as computed for a HomeRates.ai user, 7/17/2026
0Sources & Freshness
Property record enriched: 7/17/2026 (source: redfin)
Listing snapshot fetched: 7/17/2026
Valuation, comps, and location intelligence captured: 7/17/2026
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.
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.