Home + Mortgage Intelligence — Not a ListingPending

1900 spindrift dr

la jolla, ca 92037

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 / Baths— bd / — baPROPERTY FACT
Square footage10,000 sqftPROPERTY FACT
List price$561,935PROPERTY FACT
Automated valuation (AVM)$82,477,435ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
1895 Spindrift Dr, La Jolla, CA 92037$5,100,000 · Dec 2022
1920 Spindrift Dr, La Jolla, CA 92037—

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$449,548DERIVED CALCULATION
Loan-limit zoneConformingMARKET 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)6.648%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$2,885/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.)$356/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$140/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$3,381/moDERIVED CALCULATION

4Market & Location Intelligence

Area sale-to-list ratio98.6%MARKET FACT
Prestigious oceanfront enclave offering unmatched privacy, views, and exclusivity in one of Southern California's most desirable coastal communities. Key strengths include direct beach access and luxury lifestyle amenities; minor tradeoffs are car-dependency and high property taxes. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Very Safe
Amenities & Commute
Excellent Amenities
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 fit92/100DERIVED CALCULATION
Listed -99.3% vs AVM $82477K
Market fit68/100DERIVED CALCULATION
sale-to-list 98.6%
Location fit88/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Private beach rights and unobstructed ocean views
  • Proximity to world-class beaches, dining, and recreation
  • Top-tier schools and low crime
Key concerns
  • High cost of ownership and maintenance
  • Limited public transit and walkability to commercial areas
  • Potential for high insurance premiums due to coastal exposure
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, 8/1/2026

0Sources & Freshness

Property record enriched: 8/1/2026 (source: unknown)
Listing snapshot fetched: 8/1/2026
Valuation, comps, and location intelligence captured: 6/7/2026
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.