3 Captain Dr Unit D313
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($18,500). 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 2026-11-05 — 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 · +6.8%/yrReconstructed from 7 units of recorded sales at 3 Captain Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 22% in 3 years — about +6.8%/yr across 7 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
- 13% below model fair value
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
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Description
Welcome to 3 Captain Drive #313 - A spacious condo in a wonderful community! This condo features 1 Bedroom, 1 Bathroom, Approx. 782 sqft of living space with an amazing open concept floor plan makes this the perfect starter home or someone that is looking to downsize. Well kept community w/ resort like amenities that you'll rarely find elsewhere.