Home + Mortgage Intelligence — Not a ListingPending

3675 s bear st unit h

santa ana, ca 92704

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 / Baths2 bd / 2 baPROPERTY FACT
Square footage1,144 sqftPROPERTY FACT
List price$564,900PROPERTY FACT
Automated valuation (AVM)$577,600ESTIMATE
Averaged from: Zillow estimate
Comparable sales MARKET FACT
3675 S Bear St Unit B, Santa Ana, CA 92704$213,000 · Aug 2011
3675 S Bear St Unit D, Santa Ana, CA 92704$369,000 · Aug 2016
3675 S Bear St Unit F, Santa Ana, CA 92704$151,000 · May 2000

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$451,920DERIVED CALCULATION
Loan-limit zoneConformingMARKET FACT
FHFA 2026 conforming loan limit, California
Market rate anchor6.881%MARKET FACT
OBMMI Conventional 30yr Fixed — FICO 740, LTV ≤80 — observed 2026-09-11
Illustrative rate (after LLPA)6.881%DERIVED CALCULATION
0.00 LLPA points, 2026-01-28 matrix
Estimated principal & interest$2,971/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.)$358/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$141/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$3,470/moDERIVED CALCULATION

4Market & Location Intelligence

Gated resort-style condo community with strong local amenities and walkability, balanced by average schools and transit in a well-established Santa Ana neighborhood. AI INTERPRETATION
Walk Score
Very Walkable
Transit Score
Some Transit
Bike Score
Bikeable
Schools
Average
Safety
Average
Amenities & Commute
Excellent
Wildfire Risk
Low

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 CALCULATION
Listed -2.2% vs AVM $578K
Market fit65/100DERIVED CALCULATION
Market data limited
Location fit68/100DERIVED CALCULATION
Walk Score: Very Walkable, Transit Score: Some Transit, Bike Score: Bikeable.
Key strengths
  • Gated community with pools, tennis, gym
  • Proximity to South Coast Plaza and entertainment
  • Recently updated unit
Key concerns
  • Average school ratings
  • Moderate transit access
  • HOA fees
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 — computed from cached property intelligence, 8/27/2026

0Sources & Freshness

Property record enriched: 8/27/2026 (source: unknown)
Listing snapshot fetched: 8/27/2026
Valuation, comps, and location intelligence captured: 9/5/2026
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: 2026-09-11 (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.