1728 7th St Unit A
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
27% of that payment is not the mortgage. The HOA fee alone is $31,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,951.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,450). 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 ($512 in 2026), not enough for a trend yet. The listing shows $524/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
- 14% below model fair value
- On market 162 days → strong negotiating leverage
- Garage parking
- Low HOA (1.1%/yr)
⚠️ Cons
- Older building (1963)
- Only 1 bath
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- May 2, 2026 — Listed $589,000
Description
Incredible opportunity to purchase a newly remodeled spacious and light filled 2 Bedroom Unit in a charming smaller 7 unit building refreshed with newer roof, new driveway and landscaping and freshly painted. Unit has new real Hardwood Floors, new Energy Efficient Double-Pane Windows with screens, all new appliances, new recessed lighting, newly tiled bath, and all freshly painted. All units have separate entrances. Superb location directly across from the James Kenney Park and Recreation Center and a short 3 blocks to the renown pedestrian friendly Fourth Street Shopping District! Unit has its private carport. Gated Entry. Transparent and Affordable Price!