44978 Fremont Blvd #403
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
23% of that payment is not the mortgage. The HOA fee alone is $32,040 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,666.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,950). 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 ($534 in 2026), not enough for a trend yet. The listing shows $534/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 69 days → some leverage
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
⚠️ Cons
- Verify HOA docs & condition in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 11, 2026 — Price Changed $999,000
- Jul 16, 2026 — Listed $1,089,999
Description
Welcome to this beautifully maintained top-floor condominium in a highly desirable community in the heart of Fremont. Freshly repainted throughout and featuring brand-new carpeting, this move-in ready home offers a bright, clean, and inviting living environment. The open-concept floor plan is filled with abundant natural light, creating a warm and comfortable space for everyday living. The spacious living room flows seamlessly onto a private balcony—perfect for enjoying your morning coffee or unwinding after a long day. The well-appointed kitchen features ample cabinetry and generous counter space, while the adjacent dining area is ideal for both casual meals and entertaining guests. The…