37218 Yolo Ter
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
30% of that payment is not the mortgage. The HOA fee alone is $39,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,837.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($30,444). 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
2 recorded pointsReconstructed from 1 unit of recorded sales at 37218 Yolo Ter — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Low HOA (1.3%/yr)
⚠️ Cons
- 10% above model fair value
- HOA $650/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 20, 2026 — Listed $608,888
- Aug 20, 2026 — Listed $608,888
- Oct 18, 2024 — Sold (MLS) $605,000
- Oct 18, 2024 — Sold (Public Records) $605,000
- Sep 6, 2024 — Listed $599,000
- Oct 12, 2018 — Sold (MLS) $590,000
Description
Beautifully updated and move-in ready, this spacious 2-bedroom, 2-bath Fremont home offers an ideal blend of comfort, style, and location. Tucked within a private gated community offering added security and privacy, the thoughtfully updated interior features rich wood flooring, recessed lighting, fresh finishes, and a bright, open layout perfect for everyday living and entertaining. The upgraded kitchen showcases abundant cabinetry, granite countertops, stainless steel appliances, and a convenient dining area. Both bedrooms are generously sized, while the remodeled bathrooms offer clean, modern finishes. Step outside to an oversized covered patio overlooking the communitys mature trees and l