Home + Mortgage Intelligence — Not a ListingFor Sale

12441 mountain trail st

moorpark, ca 93021

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 / 2.5 baPROPERTY FACT
Square footage1,970 sqftPROPERTY FACT
List price$869,950PROPERTY FACT
Automated valuation (AVM)$930,403ESTIMATE
Averaged from: Zillow estimate, Redfin estimate (Grok)
Comparable sales MARKET FACT
12449 Mountain Trail St, Moorpark, CA 93021$840,000 · Oct 2024
12468 Mountain Trail St, Moorpark, CA 93021$899,000 · Aug 2026
12476 Mountain Trail St, Moorpark, CA 93021$925,000 · Jul 2026
12456 Mountain Trail St, Moorpark, CA 93021$871,785 · Sep 2024

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$695,960DERIVED 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$4,575/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.)$551/moPROPERTY FACT
Actual tax bill (Redfin listing data) — 0.76%/yr
Homeowners insurance (est.)$217/moESTIMATE
HomeRates.ai default: 0.3% of price annually
Estimated monthly PITI$5,343/moDERIVED CALCULATION

4Market & Location Intelligence

Area median days on market17dMARKET FACT
Area sale-to-list ratio1.0%MARKET FACT
Quiet family-oriented cul-de-sac in established Mountain Meadows community with access to parks and schools. Strong neighborhood vibe but suburban car-dependence is a factor. AI INTERPRETATION
Walk Score
Car-Dependent
Transit Score
Minimal Transit
Bike Score
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 -6.5% vs AVM $930K
Market fit57/100DERIVED CALCULATION
Median DOM 17d, sale-to-list 1.0%
Location fit72/100DERIVED CALCULATION
Walk Score: Car-Dependent, Transit Score: Minimal Transit, Bike Score: Bikeable.
Key strengths
  • Family-friendly with parks and schools
  • Established neighborhood stability
  • Competitive pricing for size
Key concerns
  • Moderate wildfire risk
  • Car-dependent location
  • Older 1986 construction may need updates
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, 9/12/2026

0Sources & Freshness

Property record enriched: 9/12/2026 (source: redfin)
Listing snapshot fetched: 9/12/2026
Valuation, comps, and location intelligence captured: 9/12/2026
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.
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.