43Priced high

3663 Oakwood Ter #211

Centerville, Fremont, CA · 94536

$599,000 ~at market (+6%)

2 bd · 2 ba · 1,125 sqft · $532/sf

HOA $729/mo · 🏢 fee history ↓ · Floor 2 · 41 days on market · built 1984

View on Redfin ↗🏢 This building's HOA ↓

⚖️ Adjusted valueFairly pricedasking is +6% over fair value

Model fair value · 3 sold comps · ±8%$596,173

vs model fair value · size · beds/baths · age · HOA · location0

Condition · Dated: tile counters, cream cabs+6%

Price history · ≈14% below its peak0

📐 How this Deal Score was built43Priced high

Value gap · asking vs model fair value, after condition & price history−7.2

HOA burden · $729/mo = 1.46%/yr of price vs a 1.33% norm−1

Days on market · 41 days — not long enough to give you leverage0

Raw advantage · the three above, combined−8.2

Model confidence · moderate — ±8% typical model error across 3 sold comps. The less certain the model, the harder the gap is pulled back toward neutral×0.8

Deal Score43/100

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

$4,746/mo all-in

20% down at 7.4% (this week's 30-year average) · mortgage + tax + insurance + HOA

Mortgage principal & interest$3,318

Property tax (1.30% effective)$649

Insurance (estimate)$50

HOA dues$729

Total monthly$4,746

Rough cash to close$134,775

30% of that payment is not the mortgage. The HOA fee alone is $43,740 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.

Financing type

Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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

Adjust the down payment & rate →Compare your Loan Estimates →

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 ($690 in 2026), not enough for a trend yet. The listing shows $729/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.

🏢 Get this building's free HOA report →