2101 Shoreline Dr #228
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
26% of that payment is not the mortgage. The HOA fee alone is $39,660 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,679.
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
🚩 Rising fast · +9.1%/yrReconstructed from 24 units of recorded sales at 2101 Shoreline Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 55% in 5 years — about +9.1%/yr across 24 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- HOA $661/mo
🚩 Red flags
- HOA rising ~9%/yr in this building ($435/mo in 2021 → $673)
- Listed BELOW its 2023 sale ($920k) → value eroding
Photos
Price history (this unit)
- Sep 16, 2026 — Listed $875,000
- Sep 16, 2026 — Listed $875,000
- Oct 10, 2023 — Sold (MLS) $920,000
- Oct 10, 2023 — Sold (Public Records) $920,000
- Aug 31, 2023 — Listed $849,000
- Sep 13, 2021 — Sold (MLS) $875,000
Description
Across from the beach, this rare 3-bedroom condo is one of only four in the complex. With 1,485 sq ft, 2.5 baths, and only one shared wall, the two-level layout offers exceptional space and privacy. The updated kitchen features contemporary cabinetry, stainless steel appliances, generous counters, and bar seating, opening to the dining and living areas. The flexible bedroom layout provides options for guests, a dedicated office, exercise, or creative space. A vaulted ceiling, fireplace, dark wood floors, and abundant natural light create a warm, open setting. Enjoy sunset views from three outdoor spaces: two balconies and a patio. The home also includes in-unit laundry, two additional…