Home + Mortgage Intelligence — Not a ListingFor Sale

1574 thorncrest dr

san jose, ca 95131

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 / Baths2 bd / 2 baPROPERTY FACT
Square footage913 sqftPROPERTY FACT
List price$694,000PROPERTY FACT
Automated valuation (AVM)$685,773ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
1578 Thorncrest Dr, San Jose, CA 95131$750,000 · Dec 2025
1567 Thornbriar Dr, San Jose, CA 95131$720,000 · Aug 2026
1627 Thorncrest Dr, San Jose, CA 95131$668,000 · Jul 2026
1580 Thorncrest Dr, San Jose, CA 95131$667,659 · Jun 2026

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$555,200DERIVED 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$3,563/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.)$440/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$174/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$4,177/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market13dMARKET FACT
Peaceful condo community in Berryessa offering golf course adjacency and convenient access to transit and retail. Strong value for condo living in a high-cost area, though market cooling may favor buyers. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Above Average
Safety
Low Crime
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 fit84/100DERIVED CALCULATION
Listed -1.6% vs AVM $705K
Market fit55/100DERIVED CALCULATION
Median DOM 36d
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit
Key strengths
  • Proximity to BART and golf course
  • Low-maintenance condo with amenities
  • Quiet end-unit location
Key concerns
  • HOA fees apply
  • Limited private outdoor space
  • Recent softening in condo segment prices
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, 8/2/2026

0Sources & Freshness

Property record enriched: 8/2/2026 (source: redfin)
Listing snapshot fetched: 8/2/2026
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.
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.