685 Dartmore Ln #365
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
32% of that payment is not the mortgage. The HOA fee alone is $29,220 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,401.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($17,750). 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 ($487 in 2026), not enough for a trend yet. The listing shows $487/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
- Upper floor (fl 3)
- In-unit W/D
⚠️ Cons
- $/sf above the Hayward norm ($552 vs $480)
🚩 Red flags
Photos
Price history (this unit)
- Sep 11, 2026 — Listed $355,000
- Jul 23, 2010 — Sold (MLS) $90,000
- Nov 5, 2009 — Listed $90,000
Description
Beautifully remodeled top-floor condo in the Hayward Hills showcasing spectacular, sweeping Bay views from the private covered balcony and bedroom. This move-in-ready home blends modern style, comfort, and a peaceful hillside setting. The brand-new kitchen features quartz countertops, a stylish backsplash, stainless steel sink, and sleek appliances. The spacious bathroom is beautifully updated with an oversized vanity, quartz countertop, and new shower doors. Additional upgrades include luxury laminate flooring, recessed lighting, designer light fixtures, fresh interior paint, new baseboards, a generous walk-in closet, and convenient in-unit laundry. Step outside to your private covered…