39313 Del Oro Terraza
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
24% of that payment is not the mortgage. The HOA fee alone is $30,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,937.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,444). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($505 in 2026), not enough for a trend yet. The listing shows $505/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- On market 109 days → strong negotiating leverage
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- 22% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Jun 24, 2026 — Listed $888,888
- Jul 26, 2002 — Sold (MLS) $410,000
- Jul 26, 2002 — Sold (Public Records) $410,000
- May 22, 2002 — Listed $398,888
- May 7, 2001 — Sold (Public Records) $383,000
Description
buyers need call pg&e first to check the pg&e service in this unit.