45188 Tom Blalock St #103
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 $38,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,357.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($58,750). 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
2 recorded pointsReconstructed from 6 units of recorded sales at 45188 Tom Blalock St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
- Newer build (2019)
⚠️ Cons
- HOA $638/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 21, 2026 — Listed $1,175,000
Description
Wow...Luxury Living at its Finest....A Super Clean, Modern Condominium with an "Open Floor Plan" and Tons of Tasteful Upgrades, including Luxury Vinyl Plank Flooring, Stainless Steel Appliances, Quartz Countertops, Designer Window Treatments & Much More. Ideally Located on the First Floor in the Chancery Section of The Metro Crossing Luxury Condominium Complex of Fremont. With Direct Access from the 2-Car Garage (or from the Street) and Accross the Street from the Resort-Style Community Center w/ World-Class Amenities, this Location is Hard to Beat. The Primary Suite offers a Spacious Walk-in Closet, an Upgraded Bathroom with a Double-sink Vanity and a Modern Clear Glass Shower