21239 Gary Dr #206
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($27,500). 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
4 recorded pointsReconstructed from 13 units of recorded sales at 21239 Gary Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Bigger than the Mesa Verde norm (1393 vs 1100 sf)
⚠️ Cons
🚩 Red flags
- Back on market — this unit was off the market and was relisted Oct 5
Photos
Price history (this unit)
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Description
Discover luxury style in this beautifully updated Castro Valley condo. Unit #206 greets you with a bright, airy layout highlighted by stylish large windows that invite an abundance of natural light throughout the home. And its views are breathtaking! There is a sleek, contemporary kitchen featuring crisp cabinetry, elegant quartz countertops, and stainless steel appliances. It flows seamlessly into the spacious living area, extending out to a private balcony perfect for enjoying a quiet evening breeze. For ultimate convenience, you'll find laundry is inside the unit. Both bedrooms are generously sized, complemented by updated bathrooms with clean lines and modern fixtures. This home also…