42111 Osgood Rd #414
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
26% of that payment is not the mortgage. The HOA fee alone is $34,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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
✅ 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
- Upper floor (fl 4)
- Low HOA (1%/yr)
- Newer build (2022)
- HOA steady in this building (~0.2%/yr over 3yr)
⚠️ Cons
- HOA $580/mo
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
Experience contemporary luxury and exceptional convenience at Savant, a premier condominium community in the heart of Fremont. Ideally located in a highly sought-after area known for its excellent schools and connectivity, this stunning 3-bedroom, 3-bathroom residence offers a sophisticated blend of style, comfort, and modern living.Fully upgraded with exquisite finishes and contemporary amenities, this home features an inviting open-concept layout designed for everyday living and effortless entertaining. A private balcony provides the perfect space to enjoy your morning coffee or unwind at the end of the day.Just minutes from I-680, Savant offers an easy commute to Silicon Valley’s major…