187 City Limits Cir
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
27% of that payment is not the mortgage. The HOA fee alone is $29,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,086.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,450). 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 2026-08-20 — 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 ($485 in 2026), not enough for a trend yet. The listing shows $485/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
- In-unit W/D
- Garage parking
- Low HOA (0.9%/yr)
- Newer build (2005)
⚠️ Cons
- 28% above model fair value
🚩 Red flags
- Listed BELOW its 2019 sale ($838k) → value eroding
Photos
Price history (this unit)
- Aug 21, 2026 — Listed $649,000
- Apr 30, 2019 — Sold (MLS) $838,000
- Apr 30, 2019 — Sold (Public Records) $838,000
- Mar 21, 2019 — Listed $749,000
- Nov 18, 2012 — Sold (MLS) $385,000
- Nov 14, 2012 — Sold (Public Records) $385,000
Description
Sophisticated, light-filled and designed for modern living, this contemporary townhome-style condo offers the best of urban convenience with the comfort of a private home. This stylish tri-level has its own level-in entry, giving it a private, welcoming feel. The open main level features bamboo floors, soaring ceilings, dramatic floor-to-ceiling windows and abundant natural light. At the heart of the home, the kitchen features a generous island, granite slab counters and stainless-steel appliances, including a newer refrigerator and dishwasher. The dining area opens to a balcony—perfect for morning coffee or an evening glass of wine—while a convenient half bath completes the main