45128 Warm Springs Blvd #455
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
25% of that payment is not the mortgage. The HOA fee alone is $42,540 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,630.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($60,944). 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
🚩 Rising fast · +7.8%/yrReconstructed from 20 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 20 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 4)
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- HOA $709/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 25, 2026 — Listed $1,218,888
Description
Discover the best of Westbounce Park at Metro Crossing in this luxurious condo. Boasting a rarely available corner unit of 1,741sqft, 3-bedroom, 2-bathroom. This home offers spacious elegance and modern living at its finest. Floor-to-ceiling sliding glass doors open onto the wrap around balcony, pouring ample natural light into the home. What a wonderful space for relaxing and hosting gatherings! The open-concept layout connects the kitchen, dining and living areas, creating an airy and comfortable living environment. The luxurious primary suite features a walk-in closet, a dual-sink vanity, and a spacious walk-in shower. Carpeted flooring throughout all bedrooms. The highlights are new bath