683 Newbury Ln #274
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 $34,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,295.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,500). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($580 in 2026), not enough for a trend yet. The listing shows $580/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 (1.4%/yr)
⚠️ Cons
- HOA $580/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 29, 2026 — Listed $489,999
- Dec 1, 2009 — Sold (MLS) $152,250
- Oct 12, 2009 — Listed $179,900
Description
Beautifull updated and move-in ready 2-bedroom, 2-bath first-floor condo in a desirable and well-maintained community. Bright and inviting with lots of natural light and a pleasant view. Freshly updated with new Pergo flooring and new appliances. Convenient level access from the carport directly to the unit makes everyday living easy and accessible. Spacious living area with a comfortable floor plan, generously sized bedrooms, and two full baths. Enjoy wonderful community amenities including a sparkling pool, relaxing spa, clubhouse and fitness center. Excellent location close to shopping, restaurants, parks, BART, and major freeways for an easy commute throughout the Bay Area. A fantastic…