21314 Gary Dr #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
33% of that payment is not the mortgage. The HOA fee alone is $44,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,355.
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 · +10.7%/yrReconstructed from 10 units of recorded sales at 21314 Gary Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 50% in 4 years — about +10.7%/yr across 10 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
- Undervalued once condition & history are priced in
- Garage parking
⚠️ Cons
- HOA $745/mo
- Ground floor
🚩 Red flags
- HOA rising ~11%/yr in this building ($473/mo in 2022 → $710)
- Listed BELOW its 2020 sale ($620k) → value eroding
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $499,000
- Oct 8, 2026 — Listed $499,000
- Nov 13, 2020 — Sold (Public Records) $620,000
- Nov 12, 2020 — Sold (MLS) $620,000
- Oct 15, 2020 — Listed $600,000
- Apr 22, 1994 — Sold (Public Records) $189,900
Description
Welcome to this spacious 3-bedroom, 2-bath condo offering 1,345 sq ft of comfortable living space with beautiful panoramic Bay views. This well-appointed home features upgraded flooring, a smart lock, brand-new GE Profile dryer, and a brand-new water heater with permit. The kitchen is equipped with top-of-the-line GE Profile appliances, while the open layout provides a comfortable setting for everyday living and entertaining. Enjoy resort-style community amenities including five swimming pools, spa, sauna, tennis courts, clubhouse with ping pong and pool tables, library, and abundant greenbelts with walking and running paths. HOA includes exterior maintenance and landscaping. The community…