40242 Legend Rose Ter
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
23% of that payment is not the mortgage. The HOA fee alone is $21,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,641.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,950). 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 ($355 in 2026), not enough for a trend yet. The listing shows $355/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 (0.5%/yr)
- Newer build (2009)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Aug 13, 2026 — Listed $899,000
- Aug 13, 2026 — Listed $899,000
- Oct 29, 2014 — Sold (MLS) $508,000
- Sep 30, 2014 — Sold (Public Records) $508,000
- Aug 22, 2014 — Listed $418,000
Description
Welcome to this rarely available two-bedroom condominium in the highly desirable Rosewood community, crafted by Summer Hill Homes. This elegant residence offers 2 bedrooms, 2.5 bathrooms, 1,176 square feet of thoughtfully designed living space, and a spacious two-car garage. The sunlit second floor features a seamless open-concept layout, where the expansive living room flows effortlessly into the dining area and a beautifully appointed gourmet kitchen. Oversized windows fill the space with natural light, creating a bright and sophisticated atmosphere perfect for both everyday living and entertaining. Additional highlights include central heating and air conditioning, along with access to a