45250 Volt Ter #402
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 $47,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,215.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($76,750). 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 2026-10-08 — 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
2 recorded pointsReconstructed from 3 units of recorded sales at 45250 Volt Ter — 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
- Upper floor (fl 4)
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- 53% above model fair value
- HOA $793/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 28, 2026 — Listed $1,535,000
Description
A beautiful penthouse retreat at Metro Crossing, this elegant 3-bedroom, 2.5-bath home with a loft offers soaring ceilings, abundant natural light, and two private outdoor spaces for relaxed, elevated living. Set on a premium lot and spanning the top floors of the building, it provides exceptional privacy along with stunning views of Mission Peak and the Bay. The open-concept layout features a modern kitchen with a large island, upgraded cabinetry, flooring, and countertops. Enjoy the wraparound balcony and rooftop terrace with a sleek fireplace, perfect for entertaining or unwinding. Additional highlights include a private two-car garage with an EV charger. Conveniently located across from…