38698 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 $26,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,076.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($30,400). 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 ($443 in 2026), not enough for a trend yet. The listing shows $443/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
- In-unit W/D
- Low HOA (0.9%/yr)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Sep 3, 2026 — Listed $608,000
- Dec 28, 2012 — Sold (MLS) $265,000
- Dec 26, 2012 — Sold (Public Records) $265,000
- Dec 2, 2012 — Listed $246,000
- Sep 15, 2003 — Sold (MLS) $255,000
- Sep 15, 2003 — Sold (Public Records) $255,000
Description
Welcome to 38698 Country Terrace, a freshly & beautifully updated second-floor condo in a highly desirable Fremont community. This move-in ready home features stylish brand new SPC water resistant flooring & new plush carpet in living areas. The NEWLY remodeled kitchen offers modern cabinets, quarts countertops, backslashes and functional prep space with new dishwasher, new exhaust fan while both beautifully updated bathrooms feature clean, contemporary tile showers and new tub. Vaulted ceilings with a window & a sliding door bring an abundance of natural light. Step out onto your private balcony to enjoy the tranquil park-like views. Minutes away from the Fremont-Centerville BART…