629 Artistic Pl
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
24% of that payment is not the mortgage. The HOA fee alone is $24,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,811.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($35,944). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($410 in 2026), not enough for a trend yet. The listing shows $410/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- On market 184 days → strong negotiating leverage
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Apr 10, 2026 — Listed $718,888
Description
Welcome to the “Heart of the Bay”! Rarely available in the desirable Studio Walk community, this gorgeous, bright, and airy 3-bedroom, 3-bathroom home features a spacious open-concept floor plan designed for comfortable living and effortless entertaining. The thoughtfully designed layout includes a generous primary suite and a junior suite, each offering a private attached bathroom and walk-in closet. All bedrooms and living spaces benefit from double-pane Milgard windows, providing energy efficiency, natural light, and a peaceful interior environment. A full-size two-car garage provides ample parking and storage. Refrigerator, washer, and dryer are included for added convenience. Enjoy an…