39152 Guardino Dr #203
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
33% of that payment is not the mortgage. The HOA fee alone is $34,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,645.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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 2026-11-05 — 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 · +0.3%/yrReconstructed from 5 units of recorded sales at 39152 Guardino Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +0.3%/yr over 4 years across 5 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
- Cheapest of 32 tracked in Fremont
- 22% below model fair value
- 29% below its 2024 peak
- Garage parking
⚠️ Cons
- HOA $580/mo
- Only 1 bath
🚩 Red flags
- Listed BELOW its 2024 sale ($546k) → value eroding
Photos
Price history (this unit)
- Oct 15, 2026 — Listed $399,000
- Oct 14, 2026 — Listed $399,000
- Dec 2, 2024 — Sold (MLS) $545,500
- Dec 2, 2024 — Sold (MLS) $545,500
- Dec 2, 2024 — Sold (Public Records) $545,500
- Oct 25, 2024 — Listed $559,000
Description
0 DOWN PAYMENT AND INTERESTS BUY-DOWN POSSIBLE! Welcome to this beautiful, move-in-ready 2nd-floor condo in the gated Adobe Hills community! Bright and light-filled, this home features an open-concept layout with large windows and a cozy wood-burning fireplace. Recent updates include new LVP flooring in the hall, new refrigerator, range hood and cooktop, freshly painted kitchen cabinets, new balcony tile and flooring, added shelving throughout, smart doorbell, and wall-unit plus portable AC. Step out onto your private covered balcony, finished with new tile and turf, to enjoy tranquil views. Smart features include app-controlled lighting, a video doorbell, and keyless entry. Inside, enjoy…