1315 A St #213
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
29% of that payment is not the mortgage. The HOA fee alone is $37,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,023.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,994). 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
- On market 58 days → some leverage
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- 12% above model fair value
- HOA $625/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 14, 2026 — Listed $599,888
- Aug 14, 2026 — Listed $599,888
- Jan 15, 1997 — Sold (Public Records) $512,500
- Jan 15, 1997 — Sold (Public Records) $216,000
- Jan 15, 1997 — Sold (Public Records) $216,000
- Jan 15, 1997 — Sold (Public Records) $2,000
Description
Welcome to 1315 A St #213, a spacious 3-bedroom, 2-bathroom condo offering 1,287 square feet of comfortable living in the heart of Hayward. Ideally located near Downtown Hayward, this home provides convenient access to an array of restaurants, cafés, shopping and parks. With BART and major transportation routes nearby, commuting throughout the East Bay and greater Bay Area is a breeze. The property includes two assigned parking spaces in a secure, gated garage as well as additional storage space. It offers generous living space, in-unit laundry, a community pool and gym. Due to its central location, this home presents an excellent opportunity for buyers seeking comfort, convenience and an…