29599 Vanderbilt St #204
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
30% of that payment is not the mortgage. The HOA fee alone is $33,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,156.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($23,450). 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
2 recorded pointsReconstructed from 2 units of recorded sales at 29599 Vanderbilt St — 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 83 days → some leverage
- In-unit W/D
- Low HOA (1.4%/yr)
⚠️ Cons
- 11% above model fair value
- HOA $560/mo
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Jul 20, 2026 — Listed $469,000
- May 5, 2023 — Sold (Public Records) $427,000
Description
Fully Renovated 2-Bedroom Condo – Exceptional Value in a Prime Location Welcome to this beautifully upgraded 2-bedroom, 1-bath condo offering the perfect blend of comfort, convenience, and value. Ideally located near BART, major shopping centers, Highway 880, and the scenic trails of Garin Regional Park, this home places you at the center of everything while still providing a peaceful residential setting. Inside, the property has been thoughtfully renovated with new flooring, fresh interior paint, a modernized kitchen and bathroom, and stylish countertops—delivering a clean, contemporary feel that is truly move-in ready.