39206 Guardino Dr #112
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 $38,220 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,867.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,350). 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 · +1.4%/yrReconstructed from 8 units of recorded sales at 39206 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 2 years across 8 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
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
- HOA steady in this building (~1.4%/yr over 2yr)
⚠️ Cons
- HOA $637/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 30, 2026 — Listed $587,000
- Dec 3, 2003 — Sold (Public Records) $351,500
Description
******* OPEN HOUSE Sat. 11:00 to 2:00 & Sun 1:00 to 4:00 ******* Must-See End-Unit Condo in Fremont's Desirable Adobe Hills / Monte Merano Community! This rare end-unit offers the perfect blend of comfort, style, and convenience. Move-in ready and filled with natural light. The open-concept floor plan features a beautifully updated kitchen with granite countertops, stainless steel appliances, premium cabinetry, a cozy fireplace, dual-panel windows, updated flooring, fresh paint, in-unit full-size washer and dryer, radiant heat, A/C, and a private balcony overlooking peaceful greenbelt views. Additional highlights include a spacious primary suite, custom mirrored closet organizers, two…