440 Canyon Oaks Dr Unit D
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
35% of that payment is not the mortgage. The HOA fee alone is $40,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,560.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,950). 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 ($682 in 2026), not enough for a trend yet. The listing shows $682/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
- 90% below its 2012 peak
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $682/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $379,000
- Aug 29, 2014 — Sold (Public Records) $245,000
- Oct 24, 2012 — Sold (Public Records) $3,675,000
Description
Tucked away in the Shadow Woods community, this ground-floor condo offers a seamless blend of modern updates and effortless comfort. From the moment you enter, the space unfolds with a sense of calm that makes you feel right at home. The living space is anchored by a sleek kitchen boasting stone countertops and ample storage, while two sun-drenched balconies provide the perfect spots for a morning espresso or a quiet evening. The primary suite serves as a true retreat, complete with a spacious walk-in closet and a refreshed bathroom. With the added convenience of in-unit laundry, every detail of this home has been designed for easy living. Life at Shadow Woods feels like a year-round…