46908 Fernald Cmn
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 $29,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,878.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($36,450). 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 ($498 in 2026), not enough for a trend yet. The listing shows $498/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 (0.8%/yr)
⚠️ Cons
- 18% above model fair value
🚩 Red flags
Photos
Price history (this unit)
- Sep 16, 2026 — Listed $729,000
- Sep 16, 2026 — Coming Soon $729,000
- Sep 25, 1996 — Sold (MLS) $123,000
- Sep 25, 1996 — Sold (MLS) $123,000
- Sep 25, 1996 — Sold (Public Records) $123,000
- Jul 24, 1996 — Listed $124,800
Description
Beautifully Remodeled Fremont Home in the Desirable Warm Springs Area. 46908 Fernald Common, Fremont Set in Fremont’s lovely Warm Springs area, this beautifully remodeled 2-bedroom, 2-bathroom home offers a fresh, comfortable retreat with an inviting sense of warmth and ease. The single-level layout feels bright and open, while new flooring, recessed lighting, fresh interior paint, and thoughtfully updated finishes give the home a clean and polished character throughout. A private patio extends the living space outdoors, creating a peaceful spot to relax, enjoy the fresh air, or unwind at the end of the day. Located near neighborhood parks, shopping, dining, transportation, and some of…