1315 A St #203
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
31% of that payment is not the mortgage. The HOA fee alone is $29,940 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,566.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,995). 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
✅ Fairly steady · +0%/yrReconstructed from 5 units of recorded sales at 1315 A St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +0%/yr over 5 years across 5 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 20% below model fair value
- 98% below its 2015 peak
- On market 49 days → some leverage
- Garage parking
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2020 sale ($453k) → value eroding
Photos
Price history (this unit)
- Aug 23, 2026 — Listed $395,000
- Aug 23, 2026 — Listed $395,000
- Mar 26, 2020 — Sold (MLS) $452,500
- Mar 26, 2020 — Sold (Public Records) $452,500
- Oct 4, 2019 — Listed $465,000
- Jun 8, 2018 — Sold (Public Records) $430,000
Description
Located in Hayward, this 2-bedroom, 2-bathroom home offers 1,056 square feet of living space. This home is filled with natural light. The property includes a one-car garage and features central forced air heating. While there is no cooling system, the layout includes a designated dining area classified as "Other. " The home is part of the Hayward Unified elementary school district. This residence provides a practical living space in a convenient location within the city of Hayward. In unit laundry. Gas fireplace. Balcony