Home + Mortgage Intelligence — Not a ListingFor Sale

18 las piedras

rancho santa margarita, ca 92688

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 / 2.5 baPROPERTY FACT
Square footage1,428 sqftPROPERTY FACT
List price$1,040,000PROPERTY FACT
Automated valuation (AVM)$1,030,404ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
16 Crucillo, Rancho Santa Margarita, CA 92688$1,050,000 · Aug 2026
27 Las Cruces, Rancho Santa Margarita, CA 92688$1,199,999 · Aug 2026
7 Temecula Ct, Rancho Santa Margarita, CA 92688$1,088,000 · Jul 2026
18 San Carlos, Rancho Santa Margarita, CA 92688$1,200,000 · Aug 2022
11 Las Piedras, Rancho Santa Margarita, CA 92688$950,000 · Jun 2025

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$832,000DERIVED 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$5,340/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.)$659/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$260/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$6,259/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market35dMARKET FACT
Area sale-to-list ratio99.5%MARKET FACT
Nestled in a master-planned lake community with excellent outdoor recreation and mountain views, this location offers a strong balance of privacy on a cul-de-sac and convenient access to amenities. Key strengths include community lifestyle perks and solid appreciation; tradeoffs center on car dependency and moderate wildfire exposure from nearby open space. AI INTERPRETATION
Walk Score
Somewhat Walkable
Transit Score
Minimal Transit
Bike Score
Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Excellent Amenities
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 fit38/100DERIVED CALCULATION
Listed +14.6% vs AVM $908K
Market fit40/100DERIVED CALCULATION
Low early demand
Key strengths
  • Resort-style community amenities and trails
  • Quiet cul-de-sac with mountain views
  • Strong neighborhood appreciation and schools
Key concerns
  • Car-dependent for most errands and commutes
  • Moderate wildfire risk from foothills
  • Higher HOA and insurance costs typical of the area
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 — as computed for a HomeRates.ai user, 8/4/2026

0Sources & Freshness

Property record enriched: 8/4/2026 (source: redfin)
Listing snapshot fetched: 8/4/2026
Valuation, comps, and location intelligence captured: 8/25/2026
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.