21314 Gary Dr #314
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
34% 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 $2,865.
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
- Cheapest of 5 tracked in Mesa Verde
- 12% below model fair value
- Upper floor (fl 3)
- In-unit W/D
⚠️ Cons
- HOA $710/mo
- Photos look dim — verify light in person
🚩 Red flags
- HOA rising ~11%/yr in this building ($473/mo in 2022 → $710)
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $425,000
- Jul 8, 1992 — Sold (Public Records) $199,000
Description
Welcome to Mesa Verde! This 2 bedroom, 2 bathroom condo has an updated kitchen, laminate flooring throughout the living areas, carpet in the bedroom, a laundry closet, dining area, and all appliances are included.