39109 Guardino Dr #234
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
28% of that payment is not the mortgage. The HOA fee alone is $39,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,486.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,490). 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 6 units of recorded sales at 39109 Guardino Dr — 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
- In-unit W/D
- Garage parking
- Low HOA (1.2%/yr)
⚠️ Cons
- 10% above model fair value
- HOA $656/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 12, 2020 — Sold (MLS) $650,000
- Aug 12, 2020 — Sold (MLS) $650,000
- Aug 12, 2020 — Sold (Public Records) $650,000
- Jul 8, 2020 — Listed $649,800
- Jul 8, 2020 — Listed $649,800
- Apr 30, 2014 — Sold (MLS) $428,000
Description
Rare end-unit opportunity, move in ready with no adjoining units above or on either side! This bright and spacious home features vaulted ceilings, abundant natural light, and a private balcony with mountain views. The kitchen offers granite countertops, ample cabinetry, stainless steel appliances, and a functional layout. Additional features include hardwood flooring with triple moisture protection, custom closet systems, in-unit laundry, A/C, radiant heating, two assigned basement parking spaces, secure gated access, and bonus storage. Elevator and stair access provide added convenience. Enjoy resort-style community amenities including a clubhouse, tennis courts, pool/spa, fitness center…