41458 Millenium Ter
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
21% of that payment is not the mortgage. The HOA fee alone is $24,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,990.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,950). 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 ($410 in 2026), not enough for a trend yet. The listing shows $410/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
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 23% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Dec 3, 2014 — Sold (MLS) $670,000
- Oct 20, 2014 — Sold (Public Records) $670,000
- Sep 16, 2014 — Listed $638,888
- Sep 17, 2004 — Sold (Public Records) $535,000
Description
Welcome home to 41458 Millenium Terrace! Step inside and immediately feel the difference—soaring ceilings, abundant natural light, and an open, airy floor plan create an inviting space you'll love coming home to. This spacious 3-bedroom, 2.5-bath home offers approximately 1,574 sq. ft. of comfortable living in Fremont's desirable Irvington neighborhood. The bright living and dining areas provide plenty of room to relax, entertain, and make lasting memories. Large windows fill the home with natural light, while the cozy fireplace adds warmth and character. The kitchen opens to the main living area, making everyday living and entertaining easy. Upstairs, you'll find three well-proportioned…