21062 Gary Dr #217
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 $42,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,196.
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 · +9.7%/yrReconstructed from 9 units of recorded sales at 21062 Gary Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 20% in 2 years — about +9.7%/yr across 9 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
- On market 67 days → some leverage
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $710/mo
🚩 Red flags
- HOA rising ~10%/yr in this building ($588/mo in 2024 → $707)
Photos
Price history (this unit)
- Aug 5, 2026 — Listed $475,000
- Oct 31, 1980 — Sold (Public Records) $105,500
Description
Welcome home to this beautifully updated 2 bedroom, 2 bathroom condo with 1,056 square feet of thoughtfully designed living space. This move-in ready home has been extensively refreshed with a new furnace, new flooring throughout, modern lighting fixtures, and new appliances, including an in-unit washer and dryer. The gorgeous remodeled kitchen opens to the living room, with a private balcony overlooking mature trees for a peaceful, private feel — giving the next owner true peace of mind and nothing left to do but move in. The open living area features vaulted ceilings and flows into a bright, comfortable dining space perfect for relaxing or entertaining, while the two generously sized…