250 Whitmore St #302
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 $31,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,202.
FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.
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
🚩 Rising fast · +7%/yrReconstructed from 11 units of recorded sales at 250 Whitmore St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 31% in 4 years — about +7%/yr across 11 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
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
⚠️ Cons
- Small (586 sf)
- Older building (1971)
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $325,000
- Feb 23, 2001 — Sold (MLS) $168,000
- Jan 18, 2001 — Listed $140,000
- Feb 5, 1998 — Sold (MLS) $68,000
- Dec 28, 1997 — Listed $74,900
Description
Sunny and quiet on the third floor. Revel in upgraded stone counters and hard floors. Work out in gym or long pool heated year round, then unwind in dry redwood sauna or jacuzzi under stars. Walk score 95. No rent restrictions. Open house on Saturday, October 3 from 8:00am to 9:30am and from 11:00am to 3:00pm.