Home + Mortgage Intelligence — Not a ListingPending

2542 w macarthur

santa ana, ca 92704

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 / Baths3 bd / 2 baPROPERTY FACT
Square footage804 sqftPROPERTY FACT
List price$624,000PROPERTY FACT
Automated valuation (AVM)$678,000ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
2542 W MacArthur Blvd #134, Santa Ana, CA 92704$649,000 · Jan 2026
2542 W MacArthur Blvd #143, Santa Ana, CA 92704$650,000 · Apr 2026
2542 W MacArthur Blvd Unit G, Santa Ana, CA 92704$650,000 · Jul 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$499,200DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor7.206%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-10-15
Illustrative rate (after LLPA)7.206%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$3,391/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.)$395/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$156/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$3,942/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market42dMARKET FACT
Area sale-to-list ratio101.1%MARKET FACT
Woodlake offers a tranquil, nature-inspired condo living experience in the heart of South Coast Metro, with serene water features and strong proximity to shopping and entertainment. Strengths include the gated setting and lifestyle amenities; tradeoffs are typical suburban car dependency and average school ratings. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Average
Safety
Average
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 fit92/100DERIVED CALCULATION
Listed -8.0% vs AVM $678K
Market fit55/100DERIVED CALCULATION
Median DOM 42d, sale-to-list 101.1%
Location fit72/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Resort-like community with pool/spa and creek views
  • Excellent location near major retail and cultural venues
  • Updated units with private outdoor space
Key concerns
  • HOA fees apply and must be verified
  • Limited walkability and transit
  • Average public schools
What's missing / verify before an offer
  • HOA dues have not been confirmed, so PITIA and the complete monthly housing obligation cannot yet be determined.
  • 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, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 10/17/2026
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: 2026-10-15 (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.