4013 Ralston Cmn
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 $40,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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 2026-10-08 — 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 ($678 in 2026), not enough for a trend yet. The listing shows $678/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 95 days → strong negotiating leverage
- Garage parking
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $678/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Jul 9, 2026 — Listed $599,000
- Jul 8, 2026 — Listed $599,000
- Jul 29, 2005 — Sold (MLS) $413,000
- Jul 29, 2005 — Sold (Public Records) $413,000
- May 5, 2005 — Listed $420,000
- Apr 24, 2003 — Sold (MLS) $268,000
Description
Experience elevated living in this stunning, move-in-ready upper-level condo tucked away in a secure gated community. The home radiates a bright and airy energy, highlighted by soaring living room ceilings, a cozy fireplace, and stylish new recessed lighting. Every inch feels fresh thanks to professional interior paint, beautifully remodeled bathrooms, and a chef-inspired kitchen complete with quartz countertops and new cabinetry. With the convenience of an in unit laundry room, a one-car garage plus an extra parking spot, and a prime location near major I-680 and I-880 freeways, shopping, and hospitals, this home perfectly balances modern luxury with everyday ease. Further enhancing its…