Home + Mortgage Intelligence — Not a ListingFor Sale

3970 carmel brooks way

san diego, ca 92130

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 / Baths3 bd / 3 baPROPERTY FACT
Square footage1,803 sqftPROPERTY FACT
List price$1,579,000PROPERTY FACT
Automated valuation (AVM)$1,541,600ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
3994 Carmel Brooks Way, San Diego, CA 92130$1,160,000 · Jan 2023
3986 Carmel Brooks Way, San Diego, CA 92130$625,000 · Nov 2012
3978 Carmel Brooks Way, San Diego, CA 92130$675,000 · Jan 2005

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$1,263,200DERIVED CALCULATION
Loan-limit zoneAbove conforming limit (jumbo)MARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.521%MARKET FACT
OBMMI Jumbo 30yr Fixed (estimated, credit/LTV-adjusted)
Illustrative rate (after LLPA)6.771%DERIVED CALCULATION
1.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$8,211/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.)$1,000/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$395/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$9,606/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market22dMARKET FACT
Area sale-to-list ratio98.4%MARKET FACT
Upscale suburban neighborhood in Carmel Valley offering family-friendly amenities and strong school access, balanced against typical suburban car dependency and moderate climate risks. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Excellent
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 fit76/100DERIVED CALCULATION
Listed +2.4% vs AVM $1542K
Market fit55/100DERIVED CALCULATION
Median DOM 22d, sale-to-list 98.4%
Location fit82/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Excellent schools
  • Safe, desirable area
  • Updated home in prime location
Key concerns
  • Car-dependent
  • Moderate wildfire risk
  • Shared or limited lot details
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, 5/24/2026

0Sources & Freshness

Property record enriched: 5/24/2026 (source: redfin)
Listing snapshot fetched: 5/24/2026
Valuation, comps, and location intelligence captured: 5/24/2026
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.