Home + Mortgage Intelligence — Not a ListingFor Sale

3131 watermarke

irvine, ca 92612

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 / Baths1 bd / 1 baPROPERTY FACT
Square footage648 sqftPROPERTY FACT
List price$578,000PROPERTY FACT
Automated valuation (AVM)$575,938ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
2114 Watermarke Pl, Irvine, CA 92612$549,000 · Mar 2026
2337 Watermarke Pl, Irvine, CA 92612$830,000 · Feb 2026
3134 Watermarke Pl, Irvine, CA 92612$755,000 · Apr 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$462,400DERIVED 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$2,968/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.)$366/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$145/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$3,479/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market68dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Prime Irvine location in established Watermarke community offering modern condo living with strong neighborhood quality and convenience. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Excellent
Safety
Low Crime
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 fit76/100DERIVED CALCULATION
Listed +0.4% vs AVM $576K
Market fit69/100DERIVED CALCULATION
Median DOM 68d, sale-to-list 1.0%
Location fit82/100DERIVED CALCULATION
Walk Score: Somewhat Walkable, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Top-rated schools
  • Safe planned community
  • Proximity to amenities
Key concerns
  • Moderate walkability
  • Car-dependent for some errands
  • Higher density living
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, 6/18/2026

0Sources & Freshness

Property record enriched: 6/18/2026 (source: redfin)
Listing snapshot fetched: 6/18/2026
Valuation, comps, and location intelligence captured: 6/5/2026
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.