4036 Abbey Ter #206
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
30% of that payment is not the mortgage. The HOA fee alone is $30,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,798.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($20,750). 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 ($506 in 2026), not enough for a trend yet. The listing shows $506/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
- Cheapest of 34 tracked in Fremont
- 96% below its 2005 peak
⚠️ Cons
- Smaller than the Fremont norm (674 vs 1165 sf)
🚩 Red flags
Photos
Price history (this unit)
- Sep 29, 2026 — Listed $415,000
- Sep 28, 2026 — Listed $415,000
- Sep 3, 2019 — Sold (MLS) $410,000
- Sep 3, 2019 — Sold (Public Records) $410,000
- Jul 4, 2019 — Price Changed $425,000
- May 9, 2019 — Listed $435,000
Description
Welcome to 4036 Abbey Ter #206, a bright and inviting upstairs condo in a convenient Fremont location. This well-maintained 1-bedroom, 1-bath home offers 674 sq. ft. of comfortable living space with a functional layout and an abundance of natural light. The home features in-unit laundry, a 1-car garage, and a community setting with easy access to everyday conveniences. Enjoy a central location near BART, major freeways including I-880, I-680 and I-84, as well as schools, parks, lakes, and recreational trails. Washington High School and Glenmoor Elementary are nearby, adding to the appeal for residents seeking convenience and accessibility. With its practical floor plan, desirable location…