45258 Tom Blalock St #108
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 $47,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,004.
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 2026-10-08 — 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 · +6.7%/yrReconstructed from 8 units of recorded sales at 45258 Tom Blalock St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 21% in 3 years — about +6.7%/yr across 8 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
- Low HOA (1.1%/yr)
- Newer build (2020)
⚠️ Cons
- HOA $795/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
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Description
Designed for everyday enjoyment and effortless living, this beautifully designed corner-unit home offers the convenience of single-story living complemented by impressive 10-foot ceilings and a bright, open-concept floor plan. The spacious main living area is ideal for both relaxing and entertaining, seamlessly connecting to a thoughtfully designed chef's kitchen featuring a generous breakfast bar, abundant storage, and warm, timeless cabinetry extending to the ceiling for a refined and elevated finish. The impressive primary suite provides a private retreat with a well-appointed en-suite bathroom featuring dual sinks, a spacious shower stall, an enclosed water closet, and a generous…