Home + Mortgage Intelligence — Not a ListingFor Sale

363 larcom st

thousand oaks, ca 91360

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 footage2,136 sqftPROPERTY FACT
List price$1,149,500PROPERTY FACT
Automated valuation (AVM)$1,127,327ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
381 Larcom St, Thousand Oaks, CA 91360$635,000 · Aug 2023
Nearby homes in 91360$1,108,902 · Recent avg

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$919,600DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET 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)6.898%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$6,055/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.)$728/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$287/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$7,070/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market42dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Suburban Thousand Oaks neighborhood with strong outdoor access via nearby parks and trails, quiet streets, and solid community feel. Risks include car dependency and moderate wildfire exposure common to the area. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Average
Safety
Low Crime
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 fit65/100DERIVED CALCULATION
Listed +4.3% vs AVM $1102K
Market fit54/100DERIVED CALCULATION
Median DOM 42d, sale-to-list 98.8% · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Proximity to Wildwood Regional Park and trails
  • Updated home with solar and pool
  • Quiet, family-oriented area
Key concerns
  • Car-dependent location
  • Moderate wildfire risk
  • Limited 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, 8/14/2026

0Sources & Freshness

Property record enriched: 8/14/2026 (source: redfin)
Listing snapshot fetched: 8/14/2026
Valuation, comps, and location intelligence captured: 8/14/2026
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.