2042 Halo Ln
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
20% of that payment is not the mortgage. The HOA fee alone is $17,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,639.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($285 in 2026), not enough for a trend yet. The listing shows $285/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- Low HOA (0.3%/yr)
- Newer build (2021)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
This spacious contemporary condo offers the ideal combination of luxury finishes and intentional design, and is one of only 124 high-end units in Alameda Point's Crest community. Built in 2021, the versatile floor plan includes 3 BR, 3.5 BA, an open LR/DR/kitchen great room, a fabulous private rooftop deck and an attached 2-car garage w/ 2 EV chargers. Details include a level-in first floor bedroom w/ an ensuite bathroom (a convenient home office or guest room), abundant natural light & high ceilings. Luxury finishes include premium Bertazzoni kitchen appliances, quartz kitchen counters, Hunter Douglas window treatments and premium hardware + fixtures. The home also offers many smart home…