Home + Mortgage Intelligence — Not a ListingFor Sale
4795 claire dr
oceanside, ca 92057
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 footage1,180 sqftPROPERTY FACT
List price$799,999PROPERTY FACT
Automated valuation (AVM)$801,923ESTIMATEAveraged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
4791 Claire Dr, Oceanside, CA 92057$300,000 · Feb 2015
4787 Claire Dr, Oceanside, CA 92057$430,000 · Jun 2017
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$639,999DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.648%MARKET FACTOBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-08-21
Illustrative rate (after LLPA)6.648%DERIVED CALCULATION0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$4,108/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.)$507/moPROPERTY FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$200/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$4,815/moDERIVED CALCULATION
4Market & Location Intelligence
Quiet residential street in established Oceanside neighborhood with coastal proximity as a major plus. Strong value from extensive recent renovations offsets typical suburban trade-offs. AI INTERPRETATION
Transit Score
Some Transit
Bike Score
Somewhat Bikeable
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 CALCULATIONListed -0.2% vs AVM $802K
Market fit40/100DERIVED CALCULATION
Location fit68/100DERIVED CALCULATIONWalk Score: Car-Dependent, Transit Score: Some Transit, Bike Score: Somewhat Bikeable.
Key strengths
- Proximity to beaches and Pier
- Fully updated with modern energy features
- Quiet, established neighborhood
Key concerns
- Car-dependent for most errands
- Limited transit options
- Competitive coastal pricing
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, 6/1/2026
0Sources & Freshness
Property record enriched: 6/1/2026 (source: redfin)
Listing snapshot fetched: 6/1/2026
Valuation, comps, and location intelligence captured: 5/27/2026
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.