21239 Gary Dr Unit 202E
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 $44,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,692.
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
- On market 45 days → some leverage
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $745/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 27, 2026 — Listed $549,950
- Dec 1, 2011 — Sold (Public Records) $227,000
Description
3 bedroom 2 bath Condo on first floor in a gated community. Besides gated, community offers club house, multiple swimming pools, tennis court and fitness center which are part of monthly HOA fees. Easy access to freeway and minutes away from downtown Castro Valley, Lake Chabot Regional Park, Sutter Eden Medical Center. Inside Laundry hook up.