45039 Insight St #1004
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 $28,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,010.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($64,000). 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 2026-08-20 — 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 ($468 in 2026), not enough for a trend yet. The listing shows $480/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
- Best $/sf of 16 tracked in Warm Springs
- 13% below model fair value
- Upper floor (fl 10)
- In-unit W/D
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
Modern Fremont Living with Space, Style & Hill Views Built in 2021, this beautifully designed townhouse-style condominium offers 3 bedrooms, 3 full bathrooms, and an impressive 2,181 sq. ft. of living space, combining modern design with the comfort and flexibility today’s buyers are looking for. Step inside to soaring ceilings, expansive floor-to-ceiling windows, and an abundance of natural light. Peaceful hill views create a stunning backdrop, while the open-concept floor plan makes the home feel bright, spacious, and inviting. At the heart of the home is an upgraded contemporary kitchen with modern finishes and all appliances included, seamlessly connecting to the main living