39206 Guardino Dr #302
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 $4,335.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,450). 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 2026-08-20 — 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 · -2.8%/yrReconstructed from 7 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 -2.8%/yr over 2 years across 7 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
- Upper floor (fl 3)
- In-unit W/D
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $637/mo
- Photos look dim — verify light in person
🚩 Red flags
- Only 2 photos — verify condition
Photos
Price history (this unit)
- Nov 26, 2003 — Sold (Public Records) $328,000
Description
Welcome to this wonderful top floor condo offering high ceilings, generous amount of natural light, and a wonderful view out your private outdoor deck. Enjoy this freshly painted, open floor plan unit with a cozy fireplace, views of the greenbelt, and in unit washer/dryer. This large 2 bed 2 bath property is located walking distance to Fremont BART, Central Park, and easy access to Hwy 680, 880, and 84. A special property with all the convenience you are looking for.