38738 Huntington Cir
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 $33,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,559.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($36,250). 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 2026-08-20 — 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 ($550 in 2026), not enough for a trend yet. The listing shows $550/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
- In-unit W/D
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- HOA $550/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 7, 2026 — Listed $725,000
- Aug 7, 2026 — Listed $725,000
- Sep 25, 2015 — Sold (MLS) $507,000
- Sep 22, 2015 — Sold (Public Records) $507,000
- Aug 13, 2015 — Listed $478,000
- Mar 20, 2001 — Sold (Public Records) $132,000
Description
SPECTACULAR TOWNHOME STYLE CONDOMINIUM! THIS AMAZING HOME FEATURES NEW INTERIOR PAINT, GLEAMING LVP FLOORING, PLENTIFUL WINDOWS EXUDING NATURAL LIGHT, UPDATED KITCHEN, MARBLE COUNTERTOPS, TILE BACKSPLASH, DESIGNER CABINETS, STAINLESS-STEEL DISHWASHER, FREE-STANDING ELECTRIC RANGE/OVEN, BUILT-IN MICROWAVE, REFRIGERATOR INCLUDED * PENDANT & RECESSED LIGHTING, FORMAL LIVING ROOM, VAULTED CEILING, WOOD BURNING FIREPLACE WITH TILE SURROUND, SLIDING GLASS DOOR LEADING TO RELAXING BALCONY, NEW CARPET ON STAIRS TO GARAGE, PRIMARY BEDROOM WITH 2 LARGE CLOSETS, MIRRORED DOORS, DOUBLE SINK QUARTZ VANITY, TUB/SHOWER COMBINATION, GLASS ENCLOSURE, CENTRAL FORCED HEATING & AIR CONDITIONING, AT