150 Pearl St #222
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
35% of that payment is not the mortgage. The HOA fee alone is $34,260 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,163.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($15,950). 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 9 units of recorded sales at 150 Pearl St — 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
- Garage parking
⚠️ Cons
- HOA $571/mo
🚩 Red flags
- Listed BELOW its 2020 sale ($398k) → value eroding
Photos
Price history (this unit)
- Sep 18, 2026 — Listed $319,000
- Mar 2, 2020 — Sold (Public Records) $397,500
- Dec 13, 2013 — Sold (MLS) $248,000
- Oct 17, 2013 — Listed $218,000
- Feb 17, 2012 — Sold (Public Records) $61,000
- Sep 12, 2011 — Sold (Public Records) $61,000
Description
Updated Adams Point Condo with Private Patio & Garage Parking Located in the heart of sought-after Adams Point, this beautifully updated 1-bedroom, 1-bath condominium offers a comfortable blend of modern updates, generous living space, and an exceptional location. Freshly painted and featuring new luxury vinyl plank flooring, the home welcomes you with a spacious living and dining area with plenty of room for a dedicated home office. The open floor plan extends outdoors to a private deeded patio, a wonderful spot for morning coffee, or an evening glass of wine. The updated kitchen features granite countertops, contemporary cabinetry, stainless steel appliances, a built-in microwave, and…