631 Moss Way
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
21% of that payment is not the mortgage. The HOA fee alone is $15,900 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,341.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,950). 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 ($265 in 2026), not enough for a trend yet. The listing shows $265/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
- Garage parking
- Low HOA (0.4%/yr)
- Newer build (2014)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $799,000
- Nov 18, 2016 — Sold (MLS) $610,500
- Nov 18, 2016 — Sold (Public Records) $610,500
- Oct 11, 2016 — Listed $598,000
Description
Welcome to this bright and elegant 3-bedroom condo with an additional versatile den/media room, located in a quiet Hayward community. Fresh interior new paint and brand-new carpet create a move-in-ready feel throughout. The home welcomes you with a versatile den/media room, followed by a gourmet kitchen featuring quartz countertops, stainless steel appliances, and a spacious pantry. Enjoy pendant lighting and LED mood lighting throughout the home. The open-concept dining and living area includes a TV nook, creating a comfortable space for entertaining and everyday living. The spacious primary suite offers a large walk-in closet with custom shelving and an updated bathroom. The second…