39400 Albany Cmn Apt C
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
34% of that payment is not the mortgage. The HOA fee alone is $40,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,846.
FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.
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 ($678 in 2026), not enough for a trend yet. The listing shows $678/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
- Undervalued once condition & history are priced in
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $678/mo
- Only 1 bath
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 26, 2026 — Listed $430,000
- Feb 15, 1991 — Sold (Public Records) $134,500
- Jun 30, 1987 — Sold (Public Records) $91,000
Description
Original unit. Good layout, fixer upper. Private entrance secluded location.