38684 Country 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
25% of that payment is not the mortgage. The HOA fee alone is $26,340 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,083.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($30,450). 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 ($439 in 2026), not enough for a trend yet. The listing shows $439/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 58 days → some leverage
- In-unit W/D
- Low HOA (0.9%/yr)
⚠️ Cons
🚩 Red flags
- Back on market — a pending sale fell through (relisted Sep 29) — ask why
Photos
Price history (this unit)
- Jul 14, 2026 — Listed $609,000
- Oct 12, 1988 — Sold (Public Records) $90,000
Description
Welcome to this beautifully updated second-floor condo in the highly desirable Country Lane community of Fremont! Tucked away in the back of the complex, 38684 Country Terr offers privacy, comfort, and modern upgrades throughout. Lovingly maintained by its long-term owners, this home has been thoughtfully renovated. The stylish kitchen features new cabinetry, quartz countertops, flooring, and stainless steel appliances, creating a bright and functional space for everyday living. Both bathrooms have been tastefully remodeled with contemporary finishes, including an upgraded shower, vanity, and flooring in the primary bath. The inviting living room boasts soaring vaulted ceilings, a cozy…