39109 Guardino Dr #241
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
29% of that payment is not the mortgage. The HOA fee alone is $39,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,990.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,750). 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
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $660/mo
🚩 Red flags
Photos
Price history (this unit)
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Description
Bright and move-in ready, this 2 bedroom, 2 bath condo offers 1,077 square feet in the desirable Monte Merano community. The kitchen opens into the living area and features granite countertops and stainless steel appliances. Natural light fills the home throughout the day, creating a warm, open feel in every room. In-unit laundry means no trips to a shared facility, and the layout gives each bedroom its own space. Monte Merano residents enjoy resort-style amenities: a fitness room, swimming pool, spa, and tennis courts, plus gated underground parking with storage, secured building access, and elevator service. Location is the standout here: you're just a short walk to Fremont BART, making…