42111 Osgood Rd #411
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
25% of that payment is not the mortgage. The HOA fee alone is $35,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,672.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,444). 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
✅ Fairly steady · +0.2%/yrReconstructed from 22 units of recorded sales at 42111 Osgood Rd — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +0.2%/yr over 3 years across 22 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 109 days → strong negotiating leverage
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $586/mo
🚩 Red flags
Photos
Price history (this unit)
- Jun 24, 2026 — Listed $848,880
- Jun 24, 2026 — Listed $848,880
- Sep 15, 2023 — Sold (MLS) $793,800
- Sep 15, 2023 — Sold (MLS) $793,800
- Jun 28, 2023 — Listed $793,800
- Jun 28, 2023 — Listed $793,800
Description
This unit has never been occupied since completion. If you're looking for a like-new home, this is the one! Savant @Irvington, a newer community in Fremont offering modern living, top-rated Irvington schools, and excellent commuter access to I-680 and I-880. Conveniently located near the Tesla Fremont Factory, as well as outdoor attractions like Lake Elizabeth and Mission Peak. This bright and spacious home features an open living and dining area connected to a private balcony for natural light and outdoor enjoyment. The contemporary kitchen offers modern finishes and ample storage, perfect for daily living and entertaining. Features include secure building entry, 2 assigned parking spaces…