Home + Mortgage Intelligence — Not a ListingFor Sale

1355 harmony ct

thousand oaks, ca 91362

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 / 3 baPROPERTY FACT
Square footage2,515 sqftPROPERTY FACT
List price$1,050,000PROPERTY FACT
Automated valuation (AVM)$1,180,000ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
Nearby homes in 91362$1,150,000 · Aug 2026
Nearby homes in 91362$1,225,000 · 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$840,000DERIVED CALCULATION
Loan-limit zoneHigh-balance conformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor7.343%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-10-08
Illustrative rate (after LLPA)7.593%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$5,927/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.)$665/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$263/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$6,855/moDERIVED CALCULATION

4Market & Location Intelligence

Peaceful cul-de-sac in desirable Kevington with exceptional views and proximity to nature, but the cash-only as-is sale terms and renovation needs make this a specialized purchase for those prepared for extensive work. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Somewhat Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Good
Wildfire Risk
Moderate

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 -20.2% vs AVM $1315K
Market fit50/100DERIVED CALCULATION
Median DOM 25d, sale-to-list 99.0% · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit.
Key strengths
  • Spectacular views and pool potential
  • Strong school access
  • Quiet hillside location
Key concerns
  • Significant renovation required
  • Cash-only terms limit financing options
  • Moderate wildfire risk
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 — as computed for a HomeRates.ai user, 9/7/2026

0Sources & Freshness

Property record enriched: 9/7/2026 (source: redfin)
Listing snapshot fetched: 9/7/2026
Valuation, comps, and location intelligence captured: 10/9/2026
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: 2026-10-08 (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.