21062 Gary Dr #102
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
35% of that payment is not the mortgage. The HOA fee alone is $39,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,533.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,750). 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 · +9.7%/yrReconstructed from 9 units of recorded sales at 21062 Gary Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 20% in 2 years — about +9.7%/yr across 9 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 115 days → strong negotiating leverage
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $656/mo
- Ground floor
🚩 Red flags
- HOA rising ~10%/yr in this building ($588/mo in 2024 → $707)
Photos
Price history (this unit)
- Jun 18, 2026 — Listed $398,000
- Jun 18, 2026 — Listed $398,000
- May 14, 1992 — Sold (Public Records) $100,000
Description
Welcome to 21062 Gary Drive #102, a beautifully updated 1-bed, 1-bath condo offering comfort, style, and convenience in a serene Hayward hillside community. Surrounded by lush greenery, residents enjoy a peaceful setting with elevated city views. The thoughtful open-concept layout seamlessly connects the living room, dining area, and kitchen. The spacious living room features a cozy fireplace and opens to a private balcony perfect for relaxing and enjoying the tranquil surroundings. The dining space flows into the kitchen, which boasts warm honey birch cabinetry, premium stone countertops, stainless steel appliances, and a convenient pass-through window with an extended stone ledge for…