39078 Guardino Dr #107
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 $35,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,348.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,900). 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
✅ Fairly steady · -1.4%/yrReconstructed from 7 units of recorded sales at 39078 Guardino Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about -1.4%/yr over 3 years across 7 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 93 days → strong negotiating leverage
- In-unit W/D
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $586/mo
- Ground floor
- Only 1 bath
🚩 Red flags
- Listed BELOW its 2020 sale ($529k) → value eroding
Photos
Price history (this unit)
- Jul 10, 2026 — Listed $388,888
- Jul 10, 2026 — Listed $388,888
- Apr 30, 2020 — Sold (MLS) $528,888
- Apr 30, 2020 — Sold (Public Records) $529,000
- Feb 20, 2020 — Listed $529,888
- Oct 23, 2017 — Sold (MLS) $510,000
Description
Must-See Condo in Fremont's Adobe Hills! This radiant condominium offers the perfect blend of style and convenience. An inviting open-concept layout welcomes you into a home where no detail has been overlooked. The beautifully kitchen fully equipped with stainless steel appliances features exquisite white quartz countertops, premium cabinetry, and contemporary finishes. Dual Pane windows in the living room, LED recessed lighting, a cozy fireplace, and an in-unit laundry setup. Enjoy access to a meticulously landscaped community featuring a swimming pool, tennis courts, and an exclusive clubhouse. Gated underground parking. Unbeatable location just minutes away from the Fremont BART Station…