630 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
33% 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 $3,229.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,000). 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
2 recorded pointsReconstructed from 3 units of recorded sales at 630 Canyon Oaks Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 14% below model fair value
- In-unit W/D
⚠️ Cons
- HOA $757/mo
🚩 Red flags
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $480,000
Description
Discover serene, peaceful living in this 2 bedroom, 2 bathroom condo located in Oakland’s Shadow Woods community. Spanning 1,123 square feet, this well maintained ground floor home offers easy access and a thoughtfully designed layout. The well appointed kitchen is equipped with a dishwasher, electric stove and an attached laundry room. The adjoining dining and living areas are filled with light, creating a warm and welcoming atmosphere that features beautifully maintained hardwood flooring and recessed lighting. Each bedroom has been refreshed with paint and brand new carpeting and include their own en suite bathrooms and direct access to a private patio, providing a rare and seamless…