21062 Gary Dr #107
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
33% of that payment is not the mortgage. The HOA fee alone is $42,180 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,096.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($23,000). 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
2 recorded pointsReconstructed from 4 units of recorded sales at 21062 Gary Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 72 days → some leverage
- In-unit W/D
- Garage parking
⚠️ Cons
- 17% above model fair value
- HOA $703/mo
- Ground floor
🚩 Red flags
- HOA rising ~10%/yr in this building ($588/mo in 2024 → $707)
- Listed BELOW its 2022 sale ($545k) → value eroding
Photos
Price history (this unit)
- Jul 31, 2026 — Listed $460,000
- Feb 18, 2022 — Sold (MLS) $545,000
- Feb 18, 2022 — Sold (Public Records) $545,000
- Sep 22, 2021 — Listed $569,000
- Mar 22, 2000 — Sold (Public Records) $173,000
Description
Perfectly situated in the highly sought-after Mesa Verde community, this beautifully updated ground-floor condo offers the convenience of no stairs and parking just steps from your front door. The thoughtfully upgraded interior is move-in ready, making it an excellent opportunity for first-time homebuyers, downsizers, or anyone seeking low-maintenance living. Enjoy an impressive array of resort-style amenities, including swimming pools, spa, sauna, fitness center, tennis courts, clubhouse, scenic walking trails, and beautifully maintained greenbelts. Ideally located near shopping, dining, parks, public transportation, and major commuter routes, this home offers the perfect combination of…