3768 Capitol Ave Unit 415B
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
25% of that payment is not the mortgage. The HOA fee alone is $45,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,665.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,945). 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
2 recorded pointsReconstructed from 11 units of recorded sales at 3768 Capitol Ave — 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
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- HOA $750/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 28, 2026 — Listed $998,900
- Aug 28, 2026 — Listed $998,900
- Nov 13, 2020 — Sold (Public Records) $975,000
Description
RARE DOWNTOWN FREMONT LIVING WITH UNOBSTRUCTED HILLS VIEWS! This modern single-level residence offers a bright, open layout with soaring ceilings, expansive windows and a private balcony overlooking the Fremont hills. The chef-inspired kitchen features an oversized quartz island, sleek cabinetry, stainless steel appliances, a drinking-water filtration system with dual outlets to the tap and refrigerator, plus pullout pantry and corner storage. Custom built-in wardrobes in every bedroom, an entry closet and a fully outfitted laundry/storage closet provide exceptional organization. Upgraded bath fixtures and a bidet add a thoughtful finishing touch. Two garage parking spaces include one…