Home + Mortgage Intelligence — Not a ListingFor Sale

30 burning tree

newport beach, ca 92660

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 / 2.5 baPROPERTY FACT
Square footage4,035 sqftPROPERTY FACT
List price$6,999,999PROPERTY FACT
Automated valuation (AVM)$6,702,700ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
32 Burning Tree Rd, Newport Beach, CA 92660$2,030,000 · Feb 2012
31 Burning Tree Rd, Newport Beach, CA 92660$4,400,000 · Nov 2011

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$5,599,999DERIVED 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$36,400/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.)$4,433/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$1,750/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$42,583/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market29dMARKET FACT
Area sale-to-list ratio96.7%MARKET FACT
Prestigious guard-gated enclave offering ultimate privacy, security, and country club lifestyle amid lush landscaping and coastal proximity. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Some Transit
Bike Score
Minimal Bikeability
Schools
Above Average
Safety
Very Safe
Amenities & Commute
Excellent
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 fit65/100DERIVED CALCULATION
Listed +4.4% vs AVM $6703K
Market fit54/100DERIVED CALCULATION
Median DOM 29d, sale-to-list 96.7%
Location fit78/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Some Transit, Bike Score: Minimal Bikeability.
Key strengths
  • Exclusive gated community with golf/tennis
  • Private pool, spa, and gym
  • Short drive to beaches and luxury shopping
Key concerns
  • Car-dependent location
  • High HOA fees
  • 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 — computed from cached property intelligence, 6/1/2026

0Sources & Freshness

Property record enriched: 6/1/2026 (source: redfin)
Listing snapshot fetched: 6/1/2026
Valuation, comps, and location intelligence captured: 5/27/2026
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.