1775 Panda Way #103
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
32% of that payment is not the mortgage. The HOA fee alone is $40,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,196.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($23,750). 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
🚩 Rising fast · +10.6%/yrReconstructed from 7 units of recorded sales at 1775 Panda Way — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 49% in 4 years — about +10.6%/yr across 7 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 45 days → some leverage
- In-unit W/D
⚠️ Cons
- HOA $680/mo
- Ground floor
🚩 Red flags
- HOA rising ~11%/yr in this building ($455/mo in 2022 → $680)
- Listed BELOW its 2021 sale ($489k) → value eroding
Photos
Price history (this unit)
- Aug 27, 2026 — Listed $475,000
- May 21, 2021 — Sold (MLS) $488,888
- May 21, 2021 — Sold (Public Records) $489,000
- Apr 1, 2021 — Listed $479,000
- Dec 7, 2004 — Sold (MLS) $305,000
- Dec 7, 2004 — Sold (Public Records) $305,000
Description
Location, Charm & Convenience! This beautifully maintained, move in ready condo offers 2 bedrooms and 2 bathrooms, ideally situated in the desirable Mission Foothills neighborhood of Hayward. With an open and spacious floorplan spanning approximately 900 sq. ft., this home features an interior laundry closet, abundant interior storage, and close proximity to downtown Hayward. The kitchen is appointed with granite countertops, a built in dishwasher, electric range cooktop, and tile flooring. The living room includes laminate flooring, a dining area, a cozy stone surround fireplace, and a sliding glass door leading to a private balcony with an additional storage room. The layout flows…