3824 39th Ave Unit C
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
30% of that payment is not the mortgage. The HOA fee alone is $27,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,666.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,750). 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 ($450 in 2026), not enough for a trend yet. The listing shows $450/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
- 25% below model fair value
- On market 252 days → strong negotiating leverage
- In-unit W/D
- Low HOA (1.4%/yr)
⚠️ Cons
🚩 Red flags
- Back on market — a pending sale fell through (relisted Oct 4) — ask why
- Still cutting price ($499k→$479k→$439k→$410k)
- Listed BELOW its 2019 sale ($510k) → value eroding
Photos
Price history (this unit)
- Jul 24, 2026 — Price Changed $410,000
- Jun 16, 2026 — Price Changed $439,000
- Mar 20, 2026 — Price Changed $479,000
- Feb 1, 2026 — Listed $499,000
- Oct 18, 2019 — Sold (MLS) $510,000
- Oct 11, 2019 — Sold (Public Records) $510,000
Description
Located in the heart of the Laurel District, this two-story end-unit townhome delivers gated-community living. The main level features a spacious living area with a fireplace and a kitchen with dining area with a powder room, while upstairs offers two full bathrooms and private bedroom spaces. Enjoy the perk of a rear patio and side yard in a city setting. Close to shops, dining, and public transportation, with easy freeway access for a smooth commute, this home is well-suited for a connected, on-the-go lifestyle.