3698 Vision Cmn #521
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
26% of that payment is not the mortgage. The HOA fee alone is $39,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,778.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($43,250). 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 ($662 in 2026), not enough for a trend yet. The listing shows $662/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 107 days → strong negotiating leverage
- Upper floor (fl 5)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $662/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Jun 26, 2026 — Listed $878,000
Description
One-of-a-kind rare find in Fremont's highly sought-after Innovation District! This exceptional top-floor corner residence offers a level of privacy rarely available, with no neighboring homes directly in front, beside, or above. Bathed in natural light and enjoying open views, this beautifully maintained 2-bedroom, 2-bath home combines modern style, comfort, and convenience in an unbeatable location. Designed for contemporary living, the thoughtfully crafted floor plan showcases expansive windows that fill the home with natural sunlight, creating a bright and inviting atmosphere throughout. The spacious living and dining areas flow effortlessly to a private balcony, where you can enjoy your…