45128 Warm Springs Blvd #351
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
24% of that payment is not the mortgage. The HOA fee alone is $30,480 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,845.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($43,750). 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 2026-10-08 — 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 · +7.8%/yrReconstructed from 22 units of recorded sales at 45128 Warm Springs Blvd — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 46% in 5 years — about +7.8%/yr across 22 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
- Upper floor (fl 3)
- Garage parking
- Low HOA (0.7%/yr)
- Newer build (2019)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 2, 2026 — Listed $920,000
- Sep 2, 2026 — Listed $920,000
Description
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