46776 Fernald St
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
24% of that payment is not the mortgage. The HOA fee alone is $22,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,956.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,440). 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 ($375 in 2026), not enough for a trend yet. The listing shows $375/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
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- Verify HOA docs & condition in person
🚩 Red flags
Photos
Price history (this unit)
- Dec 6, 2013 — Sold (MLS) $520,000
- Dec 6, 2013 — Sold (Public Records) $520,000
- Nov 22, 2013 — Listed $499,000
- Jun 16, 2004 — Sold (Public Records) $410,000
- May 24, 2004 — Sold (MLS) $410,000
- May 21, 2004 — Listed $398,888
Description
Nestled in the highly sought-after Warm Springs neighborhood, this beautiful townhouse-style condo offers privacy, comfort, and picturesque surroundings. Featuring a north-facing entrance, an inviting private patio, and breathtaking views of Mission Peak and the surrounding hills, this home provides a peaceful setting in a prime location. Offering approximately 1,270 square feet of living space, the home features 3 bedrooms, 1.5 bathrooms, an attached 2-car garage with direct access to the home, and a functional two-story floor plan. Recent updates include updated kitchen and bathrooms, fresh interior paint and new flooring, making this home truly move-in ready. One of the home's standout f