4300 Horton St #8
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 $45,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,220.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,750). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($750 in 2026), not enough for a trend yet. The listing shows $750/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
- 22% below model fair value
- In-unit W/D
- Garage parking
- Low HOA (1.1%/yr)
⚠️ Cons
- HOA $750/mo
- Older building (1917)
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Oct 22, 2026 — Listed $795,000
- Jun 30, 2005 — Sold (MLS) $525,000
- Jun 30, 2005 — Sold (Public Records) $525,000
- Apr 6, 2005 — Listed $525,000
- Dec 21, 2001 — Sold (MLS) $372,500
- Dec 21, 2001 — Sold (Public Records) $338,636
Description
THE FEELING: Housed in a converted warehouse built in 1917, the loft evokes a classic early Twentieth Century industrial feel with red brick, iron mullioned windows, soaring ceilings, and exposed timbered beams. THE HOUSE: 2 Bedrooms/2 Bathrooms, 1414 SQFT. The floorplan enjoys the signature open living area of a loft, plus two private bedrooms both with rare ensuite bathrooms. The updated kitchen features European style blond wood cabinets with additional open shelving and stainless-steel appliances. Sunlight splashes onto the hardwood floors from the huge window with a calming view of green trees. Both bedrooms offer custom closets and built-in cabinetry. The second bedroom could also be…