Home + Mortgage Intelligence — Not a ListingFor Sale
3111 gardenia ln
yorba linda, ca 92886
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 typecondoPROPERTY FACT
Beds / Baths6 bd / 7.5 baPROPERTY FACT
Square footage6,800 sqftPROPERTY FACT
List price$4,500,000PROPERTY FACT
Automated valuation (AVM)$4,194,300ESTIMATEAveraged from: Zillow estimate
Comparable sales MARKET FACT
19766 Cleveland Bay Ln, Yorba Linda, CA 92886$3,999,999 · May 2026
18242 Piper Pl, Yorba Linda, CA 92886$1,245,000 · Apr 2026
2Financing Intelligence
Illustrative scenario only — 20% down, 740 credit score, jumbo, 30yr fixed, primary residence. Not a personalized quote or a commitment to lend. ILLUSTRATIVE ASSUMPTION
Illustrative loan amount$3,600,000DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACTFHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACTOBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$23,400/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.)$2,850/moPROPERTY FACTActual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$1,125/moESTIMATEHomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$27,375/moDERIVED CALCULATION
4Market & Location Intelligence
Area median days on market32dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Upscale, view-oriented enclave in Yorba Linda offering privacy and resort living. Strong schools and neighborhood quality offset suburban car dependence. AI INTERPRETATION
Transit Score
Minimal 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 fit52/100DERIVED CALCULATIONListed +7.3% vs AVM $4194K
Market fit61/100DERIVED CALCULATIONMedian DOM 32d, sale-to-list 1.0%
Location fit78/100DERIVED CALCULATIONWalk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Somewhat Bikeable.
Key strengths
- Elevated views and privacy
- Excellent schools
- Resort amenities nearby
Key concerns
- Car-dependent location
- Moderate wildfire risk
- High price point
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: 5/30/2026
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.
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.