Home + Mortgage Intelligence — Not a ListingFor Sale

12781 barrett

santa ana, ca 92705

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 / Baths4 bd / 3.5 baPROPERTY FACT
Square footage2,373 sqftPROPERTY FACT
List price$2,249,000PROPERTY FACT
Automated valuation (AVM)$1,813,141ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
12754 Barrett Ln, Santa Ana, CA 92705$1,417,000 · Sep 2019
12551 Barrett Ln, Santa Ana, CA 92705$1,200,000 · Dec 2025
19122 Barrett Ln, Santa Ana, CA 92705—
1132 Foothill Blvd, North Tustin, CA 92705—

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$1,799,200DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$11,695/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.)$1,424/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$562/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$13,681/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market31dMARKET FACT
Area sale-to-list ratio100.8%MARKET FACT
Nestled in the hills of North Tustin, this location offers a quiet suburban feel with scenic views and larger lots. Strengths include proximity to quality schools and easy access to major freeways, while risks center on moderate wildfire exposure typical of hillside properties. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Some Transit
Bike Score
Somewhat Bikeable
Schools
Above Average
Safety
Average
Amenities & Commute
Good
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 fit22/100DERIVED CALCULATION
Listed +29.2% vs AVM $1741K
Market fit54/100DERIVED CALCULATION
Median DOM 35d, sale-to-list 99.7% · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Spacious lots and hillside views
  • Strong school district access
  • Low-density residential character
Key concerns
  • Car-dependent for daily needs
  • Moderate wildfire risk
  • Limited public transit
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, 8/12/2026

0Sources & Freshness

Property record enriched: 8/12/2026 (source: redfin)
Listing snapshot fetched: 8/12/2026
Valuation, comps, and location intelligence captured: 8/25/2026
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.