2358 Stanford St
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
20% of that payment is not the mortgage. The HOA fee alone is $23,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,659.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($65,000). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($395 in 2026), not enough for a trend yet. The listing shows $395/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
- 97% below its 2025 peak
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- 10% above model fair value
🚩 Red flags
- Listed BELOW its 2025 sale ($48656k) → value eroding
Photos
Price history (this unit)
- Apr 23, 2026 — Listed $1,299,990
- Jun 26, 2025 — Sold (Public Records) $48,656,000
- Jul 2, 2024 — Sold (Public Records) $21,678,000
Description
Experience the perfect blend of space and convenience with Plan 1. The first floor features a flex space – perfect for a fitness room, home office or however you define moments of relaxation. Unwind and soak in breathtaking waterfront views from the inviting rooftop deck, creating an ideal retreat for relaxation and entertainment.