3695 Stevenson Blvd Unit D322
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
27% of that payment is not the mortgage. The HOA fee alone is $27,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,092.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,498). 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 2026-08-20 — 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
✅ Fairly steady · +4.6%/yrReconstructed from 19 units of recorded sales at 3695 Stevenson Blvd — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +4.6%/yr over 4 years across 19 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Only 2 photos — verify condition
Photos
Price history (this unit)
- Jul 30, 2026 — Listed $649,950
- Jul 30, 2026 — Listed $649,950
Description
Located on the third floor with no neighbor above in a peaceful community, Well designed floor plan with two balconies overlooking the pool, Living room with high ceiling which brings in abundance of natural light, Brand new laminate floor with multiple layers of underlayment throughout the house, Newly painted interior walls and closets, Well maintained kitchen with gas stove and bathrooms with tile floor, Water heater, washer and dryer replaced in 2022, New vanity faucets and medicine cabinets in two bathrooms, The condo is centrally located in close proximity to the shopping plazas, Lake Elizabeth Park and Fremont Library, Easy access to Highway 880, Dumbarton Bridge, and Fremont Bart sta