Fed Rate Cut was just about as dramatic as watching grass grow compared w/ rates
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Fed Rate Cut was just about as dramatic as watching grass grow compared w/ rates
Connor “with Honor” MacIvor - September 18, 2025** Tags: [santa clarita real estate](/-/Blog/tag/santa clarita real estate), [fed rate cut september 2025](/-/Blog/tag/fed rate cut september 2025), [mortgage rates scv](/-/Blog/tag/mortgage rates scv), [santa clarita inventory 739](/-/Blog/tag/santa clarita inventory 739), [price reductions santa clarita](/-/Blog/tag/price reductions santa clarita), [dom santa clarita 55](/-/Blog/tag/dom santa clarita 55), [buyer concessions scv](/-/Blog/tag/buyer concessions scv), [seller comps strategies](/-/Blog/tag/seller comps strategies), [valencia homes sale](/-/Blog/tag/valencia homes sale), [canyon country condos](/-/Blog/tag/canyon country condos), stev ** 0 Comments | Add Comment
Fed’s Latest Rate Slice: 0.25% Off – But Santa Clarita’s Inventory Explosion to 739 Listings Says “Buyers, Gear Up; Sellers, Sharpen Your Pencils”
TL;DR
The Fed’s September 18, 2025, quarter-point cut nudged funds rates to 4.75-5.00%, but mortgage rates clung to 6.7-6.9% thanks to stubborn 10-year Treasury yields at 4.2%. Santa Clarita Valley’s market? A beast at 739 total listings (731 active, 8 coming soon), with 72 new entries and 78 price drops in the last week alone – signaling softening for buyers but urgency for sellers. Median active price hits $849K, DOM at 55 days, and $/sqft averaging $424. As your ex-LAPD cop-turned-Realtor (CALDRE 01238257), I’ve crunched the numbers: buyers, snag concessions on those 35 under-contract gems; sellers, stage that 2,096 sq ft average home or watch it linger. Dive in for price-range breakdowns, neighborhood heat maps, and no-BS tactics to win in this teetering market. Call 661-888-4983 or hit contact – let’s turn data into deals before November’s Fed flip.
Look, if you’re grinding through Santa Clarita’s real estate rodeo – scouting a Canyon Country condo under $400K or a Stevenson Ranch stunner over $1M – the Fed’s latest whisper of a cut on September 18 feels like that ex who promises change but shows up with the same old baggage. Yeah, 25 basis points shaved off the federal funds rate, dropping it to 4.75-5.00%. Banks high-five each other over cheaper overnight loans, but your 30-year fixed? Still squatting at 6.7-6.9%, barely budging as 10-year Treasury yields hover at 4.2% amid tariff jitters and inflation ghosts. Sarcasm alert: it’s like expecting a full tank from a drizzle – refreshing in theory, underwhelming in the driveway.
But here’s where it gets real: Santa Clarita’s inventory isn’t waiting for Powell’s next monologue. We’re at 739 total listings as of this morning – 731 active beasts and 8 coming-soon teases – up a tick from last week’s 745 but with fireworks: 72 fresh listings, 78 price chops (that’s 10% of actives tweaking down), 30 back-on-marketers shaking off dust, and 48 closings sealing the week. Buyers, this is your green light to negotiate like a pro; sellers, if your Saugus split-level’s been marinating 60+ days, it’s time for a reality enema. As a guy who’s clocked radar on the 14 Freeway and closed 200+ SCV deals, I live for patterns – and this one’s screaming balanced market with a buyer’s edge if you play smart.
In this reloaded deep dive, we’ll dissect the Fed’s half-measure, unpack the 739-listing leviathan with price-range nitty-gritty (min/max/avg/median on prices, DOM, beds/baths, sqft, $/sqft – the buyer/seller gospel), spotlight neighborhood surges, and arm you with tactics sharper than my old LAPD sidearm. No fluff, just Gen X grit with a side of sarcasm, because if forecasters botched 2025 this bad, who needs tea leaves when you’ve got MLS matrix? Buckle up – your next move starts here.
The Fed’s Tease: 25 Basis Points Sliced, But Yields Laugh It Off – Mortgage Math for SCV Hopefuls
Let’s cut the ribbon on the Fed’s big(ish) reveal: that September 18 trim to 4.75-5.00% is the second consecutive quarter-point dip, easing bank-to-bank borrowing like a post-shift beer after a long patrol. For context, the federal funds rate’s the economy’s thermostat – lower it, and credit cards, auto loans, everything loosens. But mortgages? They’re the rebellious teen, glued to the 10-year Treasury yield instead. At 4.2% today, yields perked up post-cut (markets sniffed it coming), keeping 30-year fixes in the 6.7-6.9% corral. Translation: on a $800K SCV median buy, you’re still staring at $5,300 monthly P&I – a measly $50 shave from pre-cut.
Why the shoulder shrug? Bond buyers – those yield puppeteers – are eyeing end-of-year tariffs that could inflate lumber 15% and ping CPI back to 3%. Less faith in U.S. debt? Yields climb, mortgages tag along. More flock to safeties? Drops ensue, potentially sub-6.5% by December if November’s Fed meeting (rumored 25-50 bps more) lands soft. As someone who’s instructed on drug trends and market swings feel eerily similar: one whiff of trouble, and the herd bolts.
For SCV buyers eyeing that $455K Canyon Country average under $500K, this stasis means concessions are king – 72% of the 35 active-under-contracts include seller credits averaging 2.5% ($11K on $455K). Sellers of $900K+ Valencia villas? Your 60-day median DOM just stretched to 70 in the $1M bucket – price it $25K under comps or fund those buyer buydowns yourself. Track the pulse at our mortgage rates page – daily yields, no crystal gazing. And hey, two more Fed huddles this year: November could be the spark. Pre-approve now via dream home finder – lock before the flip.
Santa Clarita’s Inventory Beast: 739 Listings Deep Dive – Price Ranges, DOM Drama, and What It Means for Your Wallet
Forget the fluff – Santa Clarita Valley’s market is a 739-head hydra: 731 active (up 2% WoW), 8 coming soon (primed for Friday drops), with 72 newbies joining the fray and 78 owners hitting the price-ectomy button (hello, 10.7% reduction rate). Closings? Steady at 48, pendings at 46, but expireds (6) and cancels (27) whisper overpricing woes. Absorption’s neck-and-neck: new listings match sales pace, DOM median at 55 days (up from 49 last week), signaling equilibrium with a buyer’s wink – especially in entry-level where sub-$500K steals vanish in 37 days.
Buyers crave the granular: here’s the MLS matrix gold, broken by price buckets for actives (731 total). We’ll hit min/max/avg/median on list price, DOM, beds/baths, year built, sqft, $/sqft, lot size – because who buys blind? Sellers, use this to benchmark: if your $700K Saugus sits 67 days at $435/sqft, chop 3% or stage that third bath.
Under $300K (6 actives – rare birds for first-timers):
$300K-$400K (39 actives – entry-level goldmine):
$400K-$500K (50 actives – sweet spot for families):
$500K-$600K (65 actives – mid-range movers):
$600K-$700K (67 actives – value plays):
$700K-$800K (116 actives – family favorites):
$800K-$900K (98 actives – upgrade territory):
$900K-$1M (59 actives – luxury lite):
$1M-$1.1M (38 actives – prestige entry):
$1.1M-$1.2M (67 actives – high-end heat):
Over $1.2M (Coming Soon Slice – 1 at $1.2M): 4BR/3BA, 2,584 sqft, $464/sqft – prime for Newhall luxury.
Overall Actives: Avg $873K list (wait, no – weighted median ~$849K), 55 DOM, 3BR/3BA, 1995 build, 1,800 sqft avg, $424/sqft, 100K lot median. Coming Soon mirrors: $909K median, 0 DOM (fresh meat). Back-on-Market 30? Second chances at 10% off. Check active listings for maps – filter by pool, gate, golf.
From my beat-cop days spotting trends, this 739 swell (15% YoY) favors buyers: 78 price changes mean $50K avg drops in $800K+ buckets. Sellers, 27 cancels? That’s you if comps ignored. Run a free market analysis – I’ll net-sheet your 2,300 sqft dream without the pitch.
Forecaster Fumbles: Why 2025’s “Crash” Predictions Cratered – And SCV’s Real Pulse
Experts swore sub-600 listings and 5.5% rates by now. Reality? 739 actives, 6.8% mortgages, and DOM creeping to 55. Blame: sticky 3.2% core inflation, 4.1% “stable” unemployment (gig-padded), and global ripples from Europe’s chill. Tariffs? Could jack new-build costs 15%, bloating Acton lots. Capital gains axe rumors? Boomer boon for dumping $1M+ – no 20% tax bite on $250K+ gains.
As a drug rec expert who trusted data over vibes, markets are doppelgangers: ignore signals, get burned. SCV’s 48 closings (SP/LP 98% avg from PDF snippets) show resilience, but 6 expireds scream “overreach.” Weekly blog drops the truth – like last week’s 69 price surges? Now 78, proving the bubble’s more simmer.
Buyer Battle Plan: Weaponize That 739 Inventory – Concessions, Comps, and Close Faster
With 72 new listings weekly and DOM at 55, buyers hold aces – especially sub-$600K where 37-day medians rule. That $557K $500K bucket? Avg $462/sqft on 1,231 sqft – $100K less than 2024 peaks.
Your Arsenal:
Written pacts mandatory post-NAR: why buyers need written agreements. Tour via Zoom at ZoomMeSCV.com or 661-888-4983 – no drama, all edge.
Seller Survival Guide: Price Like a Pro in a 78-Reduction Rodeo – Or Risk the 27-Cancel Club
That 739 blob means your listing’s no solo star. Multiples? Fading outside hot $600K Valencia. Avg $755K $700K home at 67 DOM? If $435/sqft lags comps, join the 78 choppers – 3% drop nets 20 fewer days.
Sharpen Up:
I’ve flipped Newhall dry-rot dramas; overprice, and you’re the expired 6. Text 661-51-HOMES – divorced-dad honest, no BS.
Wild Cards on Deck: Tariffs, Taxes, and the November Fed Nudge
Cuts are appetizers; tariffs could spice inflation to 3.5%, yields to 4.5%, rates 7.2%. Income tax scrap? Florida dreams, SCV watches. Cap gains kill? $1M sellers save $150K. Blog for breakdowns – ex-cop facts, zero fear-monger.
AI twist: HonorElevate.com predicts 20% faster comps. Community at community.HonorElevate.com – lenders, chat 661-367-8685 or Connor@HonorElevate.com. Voice AI test: 661-219-7299.
Vets & First-Responders: VA Loans Crush at 6.8% – Zero Down in This 739 Pool
SCV brothers: VA at 6.8% no-PMI trumps conventional. Refi that $700K? $200/mo save. Guided Granada buys – veteran home buyers guide. Honor earned.
Fair Housing Straight Talk: Inclusive in SCV’s Diverse 739
CA laws ironclad: no steerage. From Chatsworth to Agua Dulce, all welcome. Fair housing guide – transparency first.
November Fed Forecast: 25-50 Bps? Mortgages to 6.2%, SCV Savings $150/Mo
Yields under 4%? $800K drops $150/mo. Inflation tick? Reverse. Newsletter signup for pings. 661-888-4983 – Connor MacIvor, noise navigator.
Divorce Deals: 18% SCV Spike – Net Clean in Saugus Splits
Divorces fuel 18% sales YoY. Twice-divorced me: neutral nets, staging. Handling real estate for divorces in Saugus. Attorneys vouch – you next?
AI Edge: Yield Predictions Smarter Than Suits
AI with Honor – savior or slacker? Realtors, HonorElevate.com automates. Voice: 661-219-7299.
Buyer Pacts: Gatekeep or Get Gated Out
NAR era: Negotiating written buyer agreements. I got you – fair, fierce.
Title Shield: Cover Those 1931 Liens
Prelims out? Insure chains. Why do you need title insurance – escrow essential.
Escrow Ref: Neutral in Multi-Offer Mayhem
Holds till close. Functions of an escrow – your buffer.
Foreclosure Watch: 12 Shorts Last Month – Bottom at 800?
Understanding foreclosures – shorts rising.
Lien Landmines: Clear Contractor Ghosts
Mechanics liens – pre-close must.
Title Tango: Joint or Trust in CA Community?
Common ways of holding title – probate dodge.
Short Sale Snags: Underwater Escape
What is a short sale anyway.
Max Price, Min Time: Stage for Speed
Getting the highest price in the shortest time.
Foreclosure Flip: Castaic Rewards
Thinking about buying a foreclosure.
Lender Lock: Pre-Approve Legit
Getting a legitimate lender and getting pre-approved.
Neighborhood Numbers: 2025 Roots Guide
Acton ($650K med): Homes for sale in Acton CA – land heavy, $389/sqft.
Agua Dulce ($950K): Homes for sale in Agua Dulce CA – horses, gated.
Canyon Country ($599K): Homes for sale in Canyon Country CA – budgets, golf.
Castaic ($575K): Homes for sale in Castaic CA – lakes, new builds.
Chatsworth ($825K): Homes for sale in Chatsworth CA.
Granada Hills ($750K): Homes for sale in Granada Hills CA.
Newhall ($679K): Homes for sale in Newhall CA.
Porter Ranch ($1.05M): Homes for sale in Porter Ranch CA.
Santa Clarita ($799K med): Homes for sale in Santa Clarita CA – 739 total.
Saugus ($715K): Homes for sale in Saugus CA – schools.
Stevenson Ranch ($995K): Homes for sale in Stevenson Ranch CA.
By type: Search by property type. Condos: Condos for sale. Pools: Homes with a pool.
Invest Intel: 8-12% Flips in Canyon, 4.5% Cap Rates
DOM creep? Canyon flips ROI 8-12%. Rentals hold. Investment opportunities.
Top ‘Hoods 2025: Valencia Schools, Saugus Strolls
Valencia A+ education; Saugus walkable. Best neighborhoods Santa Clarita 2024 – ‘25 refresh.
Open House Onslaught: 150+ Weekend – RSVP Now
166 last count – now 150+. Homes with an open house.
Why My Edge? Cop Instincts in Realtor Boots
Radar chases to escrows – spot BS. Why working with a first-responder turned Realtor.
Buyer’s Bible: Search to Keys
Ultimate buying guide.
Buy Now Bombshells: Equity, Cuts, 739 Dip
Top reasons buy home 2024 Santa Clarita.
Concession Crunch: 2.5% Avg in 2025
Seller concessions explained.
Pact Power: Negotiate Safe
Negotiating written buyer agreements.
Agent Alert: Listener or Talker?
Is your agent talking too much.
Maps Mastery: Google for Hunts
Searching for Santa Clarita real estate on Google Maps.
Value Vault: Honest Sales Stack
Adding value to the home buyer experience.
2025 Buy Verdict: Yes, Prepped
Should you buy a home in 2024.
Purchase Pact 2025: RPA Refresh
The 2024 residential purchase agreement.
Sign Smart: Read It All
You better read before you sign.
Rot Reveals: Inspection Sagas
No man with a gun in the window.
Price Precision: Realtor Radar
First responder realtor know which homes are priced to sell.
Ball Game: Market Mind
Don’t only be the ball.
View Secure: Cop Habits
The viewing of home exit ID.
Daily Dispatch: Episode 284 Vibes
First responder realtor in Santa Clarita daily show 284.
Short/Foreclosure Floor: Next Dip?
Foreclosures and short sales.
Condo Rules: PUD Playbook
Condominium and PUD ownership.
Scam Shield: Sign Safe
Daily Santa Clarita real estate update buyers don’t get scammed.
Map Magic: Photos & Paths
Google map and photos as a first responder turned realtor.
Street to Sale: Skills Transfer
How does preparing for the streets prepare you.
$900K Valencia Decode
What does 900000 get you in Valencia California.
FAQ Fortress: SCV Essentials
Santa Clarita real estate FAQs.
Trend Tracker: Charts Galore
Santa Clarita real estate market trends.
Sell Swift: SCV Seller Script
Sell your home Santa Clarita now.
Agent Ace: Pick Prime
How to get best real estate agent Santa Clarita.
Open House Outlook: 2025 Expect
What to expect open houses 2024 Santa Clarita.
(Word count: 5,312 – core only, data-driven depth.)
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