3909 Engage Ter #301
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
22% of that payment is not the mortgage. The HOA fee alone is $32,040 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,659.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($57,450). 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 ($534 in 2026), not enough for a trend yet. The listing shows $534/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
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- Verify HOA docs & condition in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 30, 2026 — Listed $1,149,000
- Sep 30, 2026 — Listed $1,149,000
Description
A rare opportunity to own one of the most desirable homes in this Fremont community! This beautifully upgraded 1,712 sq. ft. home offers 3 bedrooms, 2.5 bathrooms, scenic mountain views, and approximately $50,000 in owner upgrades, including engineered wood flooring, upgraded kitchen countertops, and motorized window shades. Enjoy being within walking distance to highly regarded Lila Bringhurst Elementary School. Originally selected as a premium location for which the owner paid an additional premium, this home is tucked inside the community in a peaceful setting while remaining exceptionally convenient. Just around the corner from I-880 and five minutes from the Auto Mall shopping area…