580 Canyon Oaks 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 $45,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,066.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,250). 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 2026-08-20 — 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 ($757 in 2026), not enough for a trend yet. The listing shows $757/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
- 13% below model fair value
- In-unit W/D
⚠️ Cons
- HOA $757/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 5, 2026 — Listed $485,000
- May 10, 2017 — Sold (MLS) $445,087
- May 10, 2017 — Sold (Public Records) $445,500
- Mar 31, 2017 — Listed $460,000
Description
Tranquil Ground-Floor Condo in Coveted Shadow Woods Community Welcome to this beautifully updated ground-floor condo nestled in the peaceful, gated Shadow Woods community — where lush greenery, resort-style amenities, and an unbeatable East Bay location come together in one perfect package. Step inside to a bright, open-concept living and dining area anchored by a cozy fireplace — ideal for relaxing evenings at home. Fresh interior paint and brand-new luxury vinyl plank flooring flow throughout the main living areas, while plush new carpet in the bedroom adds a warm, inviting feel underfoot. The well-appointed kitchen features gleaming quartz countertops and is fully equipped w