Home + Mortgage Intelligence — Not a ListingFor Sale

4821 lori ann

irvine, ca 92604

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 baPROPERTY FACT
Square footage1,200 sqftPROPERTY FACT
List price$1,200,000PROPERTY FACT
Automated valuation (AVM)$1,244,530ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
4861 Lori Ann Ln, Irvine, CA 92604$1,227,883 · Aug 2025
4811 Lori Ann Ln, Irvine, CA 92604$1,350,000 · Mar 2025
4912 Lori Ann Ln, Irvine, CA 92604$1,258,888 · Oct 2021

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$960,000DERIVED 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$6,321/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.)$760/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$300/moESTIMATE
HomeRates.ai default: 0.3% of price annually
HOA$0/moPROPERTY FACT
Estimated monthly PITI$7,381/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market38dMARKET FACT
Area sale-to-list ratio99.5%MARKET FACT
Established mid-century neighborhood with parks, trails, and top schools in master-planned Irvine. Strong value due to no HOA and lot size, offset by older home needing updates. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Some Transit
Bike Score
Somewhat Bikeable
Schools
Excellent
Safety
Very Safe
Amenities & Commute
Good
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 -2.2% vs AVM $1227K
Market fit54/100DERIVED CALCULATION
Median DOM 38d, sale-to-list 99.5% · Low demand
Location fit78/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Some Transit.
Key strengths
  • No HOA/low taxes
  • RV access/large lot
  • Central location near amenities and freeways
Key concerns
  • Older 1971 construction
  • Car-dependent walkability
  • Needs cosmetic updates
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, 8/10/2026

0Sources & Freshness

Property record enriched: 8/10/2026 (source: redfin)
Listing snapshot fetched: 8/10/2026
Valuation, comps, and location intelligence captured: 8/10/2026
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.