2115 Central #5
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
28% of that payment is not the mortgage. The HOA fee alone is $30,900 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,692.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($27,500). 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 ($515 in 2026), not enough for a trend yet. The listing shows $515/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
- On market 108 days → strong negotiating leverage
- In-unit W/D
- Low HOA (1.1%/yr)
⚠️ Cons
- Older building (1969)
- Ground floor
🚩 Red flags
- Listed BELOW its 2021 sale ($720k) → value eroding
Photos
Price history (this unit)
- Aug 26, 2026 — Price Changed $565,000
- Jun 25, 2026 — Listed $599,000
- Nov 10, 2021 — Sold (MLS) $720,000
- Nov 10, 2021 — Sold (Public Records) $720,000
- Oct 13, 2021 — Listed $689,000
- Oct 27, 2015 — Sold (MLS) $415,000
Description
Discover comfort, convenience, and style in this centrally located 2 Bed/1.5 Bath condo, approx. 1,120 square feet. Move right in and enjoy updated interiors, spacious living, and in-unit laundry. The open layout connects the living, dining, and kitchen areas—ideal for everyday living and entertaining. The kitchen features granite counters, modern appliances, and a breakfast bar. The primary bedroom offers natural light and generous storage, while the second bedroom is perfect for guests or a home office. Located in a well-maintained 10-unit building with seismic retrofit, owner-managed HOA, low dues, and earthquake insurance. Includes private outdoor space, parking, and a prime location…