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Stealpad › Fremont, CA › Central Fremont › 3419 Pennsylvania Cmn
3419 Pennsylvania Cmn — 2 bd condo for sale in Central Fremont, Fremont
31Overpriced

3419 Pennsylvania Cmn

Central Fremont, Fremont, CA · 94536
$649,000 17% above mkt
2 bd · 2 ba · 944 sqft · $688/sf
HOA $531/mo · 🏢 fee history ↓ · 66 days on market · built 1981
⚖️ Adjusted valueOverpricedasking is +17% over fair value
Model fair value · 7 sold comps · ±8%$569,128
vs model fair value · size · beds/baths · age · HOA · location+14%
Condition · Avg / verify in person0
Price history · ≈2% below its peak+3%
📐 How this Deal Score was built31Overpriced
Value gap · asking vs model fair value, after condition & price history−20.4
HOA burden · $531/mo = 0.98%/yr of price vs a 1.33% norm — at or below normal, no charge0
Days on market · 66 days — it has sat, so you have leverage+3
Raw advantage · the three above, combined−17.4
Model confidence · strong — ±8% typical model error across 7 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×1
Deal Score31/100

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

$4,879/mo all-in
20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA
Mortgage principal & interest$3,595
Property tax (1.30% effective)$703
Insurance (estimate)$50
HOA dues$531
Total monthly$4,879
Rough cash to close$146,025

26% of that payment is not the mortgage. The HOA fee alone is $31,860 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,348.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,450). 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 ($531 in 2026), not enough for a trend yet. The listing shows $531/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
  • On market 66 days → some leverage
  • In-unit W/D
  • Garage parking
  • Low HOA (1%/yr)
⚠️ Cons
  • 14% above model fair value
🚩 Red flags
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Photos

Price history (this unit)

Trough $102,000 Feb 23, 1989Now $649,000Peak $660,000 Aug 6, 2026
Current list price is 2% below its peak · +536% above its trough.
  • Aug 6, 2026 — Listed $660,000
  • Aug 3, 2026 — Coming Soon $660,000
  • Mar 19, 2020 — Sold (MLS) $640,000
  • Mar 19, 2020 — Sold (Public Records) $640,000
  • Jan 29, 2020 — Listed $599,000
  • Apr 3, 2015 — Sold (MLS) $470,000

Description

Welcome to this beautifully 2-bedroom, 2-bathroom condo in the highly desirable Pennsylvania Common community of Fremont. This light-filled home features laminate flooring throughout the living area and bedrooms, complemented by tile flooring in the kitchen. The kitchen is equipped with granite countertops and stainless steel appliances, offering both style and functionality. The spacious living room showcases a cozy fireplace, vaulted ceilings, and a ceiling fan, creating an open and inviting atmosphere. The primary bedroom also features a ceiling fan for added comfort. Additional highlights include window coverings, closet organizers in both bedrooms, central heating and air conditioning…

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