945 Fletcher Ln Unit A311
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 $34,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,692.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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
✅ Fairly steady · +1.2%/yrReconstructed from 5 units of recorded sales at 945 Fletcher Ln — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +1.2%/yr over 3 years across 5 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- HOA steady in this building (~1.2%/yr over 3yr)
⚠️ Cons
- HOA $570/mo
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $399,000
- Jun 6, 2017 — Sold (Public Records) $365,000
- Sep 1, 2011 — Sold (Public Records) $25,000
- Jan 15, 1997 — Sold (Public Records) $96,000
- Jan 15, 1997 — Sold (Public Records) $96,000
- Jan 15, 1997 — Sold (Public Records) $48,000
Description
Spacious, refreshed, & conveniently located! This 2 bed, 1 bath condo offers 946 sq ft with an open layout connecting the living, dining, & kitchen areas. The front facing balcony extends the living space outdoors, with a dedicated storage room. The kitchen features stainless steel appliances & a functional layout for everyday cooking & entertaining. Both bedrooms are generously sized with windows overlooking greenery, while the primary bedroom includes a dedicated vanity separate from the bathroom. Central heat, window AC, stacked in-unit washer + dryer, & 2 assigned parking spaces add everyday convenience. Just nearby, the Hayward Plunge Trail & Memorial Park offer easy access to outdoor…