Home + Mortgage Intelligence — Not a ListingFor Sale

390 n milford

orange, ca 92867

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 / Baths5 bd / 4 baPROPERTY FACT
Square footage3,387 sqftPROPERTY FACT
List price$1,599,000PROPERTY FACT
Automated valuation (AVM)$1,545,715ESTIMATE
Averaged from: Redfin estimate (Grok)
Comparable sales MARKET FACT
2603 E Coolidge Ave, Orange, CA 92867$1,116,000 · Aug 2026
315 E Wilson Ave, Orange, CA 92867$1,120,000 · Jul 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$1,279,200DERIVED 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$8,315/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.)$1,013/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$400/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$9,728/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market33dMARKET FACT
Area sale-to-list ratio99.5%MARKET FACT
Quiet residential street in established Orange neighborhood with good bikeability and safety. Strengths in family-friendly layout and backyard amenities, offset by car dependency and moderate commute access. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Some Transit
Bike Score
Very Bikeable
Schools
Above Average
Safety
Low Crime
Amenities & Commute
Average
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 fit65/100DERIVED CALCULATION
Listed +3.4% vs AVM $1546K
Market fit54/100DERIVED CALCULATION
Median DOM 33d, sale-to-list 99.5% · Low demand
Location fit68/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Some Transit.
Key strengths
  • Private in-law suite flexibility
  • Resort backyard oasis
  • Strong bikeability
Key concerns
  • Car-dependent location
  • Extended days on market
  • Above recent Redfin estimate
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, 8/13/2026

0Sources & Freshness

Property record enriched: 8/13/2026 (source: redfin)
Listing snapshot fetched: 8/13/2026
Valuation, comps, and location intelligence captured: 8/12/2026
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.