39951 Fremont Blvd #120
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
31% of that payment is not the mortgage. The HOA fee alone is $39,720 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,657.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($28,998). 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
2 recorded pointsReconstructed from 4 units of recorded sales at 39951 Fremont Blvd — 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
- In-unit W/D
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $662/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Only 2 photos — verify condition
Photos
Price history (this unit)
- Aug 15, 2026 — Listed $579,950
- Aug 15, 2026 — Listed $579,950
- Oct 17, 2006 — Sold (Public Records) $412,000
- Oct 6, 2006 — Sold (MLS) $412,000
- Aug 31, 2006 — Listed $414,950
- Dec 30, 1996 — Sold (Public Records) $125,000
Description
"Best Value, Underpriced Well Below Market". Nice Home in Great Fremont Location w/ Good Schools. Big Open Area w/ Living Room. Large 2-Bedrooms, 2-Full bathrooms. The Interior Showcases a Combination of Carpet, Nice Flooring, with a Living Room Fireplace providing Warmth and Ambiance. The Dining Area is Integrated into the Living Room Space. Laundry Facilities are Conveniently located Inside the home. The Property includes a 1-Car Garage, and Carport. Outdoor Pool/Spa Combination. The Home lies within the Fremont Unified Elementary School District. Great Location near Fremont Blvd. , with Close Proximity to Fremont Mall/880/Newark. "BEST BUY ON THE MARKET"