155 Pearl St #308
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 $23,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,447.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,200). 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 ($388 in 2026), not enough for a trend yet. The listing shows $388/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 901 days → strong negotiating leverage
- Upper floor (fl 3)
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- 19% above model fair value
🚩 Red flags
- Still cutting price ($669k→$664k→$4k)
Photos
Price history (this unit)
- Jul 18, 2026 — Price Changed $3,500
- Mar 25, 2026 — Price Changed $664,000
- Apr 23, 2024 — Listed $669,000
Description
155 Pearl Street: Completely remodeled Top Floor corner unit is a 2 bedroom 2 bath condo located in the highly desirable Adams Point neighborhood. This unit boasts a warm welcoming space that has a tan laminate flooring throughout and an upgraded gas fireplace for added comfort and style in the main living area. Enjoy preparing meals in this impressively remodeled kitchen with quartz countertops, large peninsula, and all stainless steel appliances. The main bedroom is spacious and has a walk-in closet. Also includes a private balcony for relaxing fresh air. The building includes private courtyard, Washer/dryer on site, and gated garage that includes a parking spot for the owner. The…