25129 Copa Del Oro Dr #203
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 $24,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,626.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,450). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($406 in 2026), not enough for a trend yet. The listing shows $406/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- In-unit W/D
- Low HOA (1.3%/yr)
⚠️ Cons
- $/sf above the Hayward norm ($640 vs $476)
🚩 Red flags
Photos
Price history (this unit)
- Oct 6, 2026 — Listed $389,000
- Feb 11, 2004 — Sold (MLS) $205,000
- Oct 14, 2003 — Listed $199,950
- Dec 6, 2000 — Sold (MLS) $150,000
- Sep 12, 2000 — Listed $150,000
Description
Imaging living close to Hesperian Blvd near shopping center, community college, San Mateo Bridge, downtown Hayward. This upper floor unit is equipped with a fire place, balcony, updated kitchen new flooring, lighting, in unit laundry hook-ups and is move in ready.