4132 Manila Ave
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 $25,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,520.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($33,750). 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 ($432 in 2026), not enough for a trend yet. The listing shows $432/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
- Low HOA (0.8%/yr)
⚠️ Cons
- 31% above model fair value
- Older building (1918)
🚩 Red flags
- Listed BELOW its 2022 sale ($749k) → value eroding
Photos
Price history (this unit)
- Sep 9, 2026 — Listed $725,000
- Jan 25, 2022 — Sold (MLS) $749,000
- Nov 30, 2021 — Listed $749,000
Description
Push open the big, beautiful gates and the city falls away. What's waiting is a secret garden — the romantic, storybook entry that makes you feel like you've slipped into an English cottage, right in the heart of Temescal. This home was taken down to the studs and rebuilt. Behind the original double-hung windows and hardwood floors: all-new plumbing, new electrical, and a forced-air furnace. Vintage soul, none of the 3-a.m. surprises. At 901 square feet, your light-filled upstairs home lives large. New kitchen with stone counters and room to actually cook. Fresh bathroom. Original built-in cabinetry in the formal dining room. A bedroom with a fireplace, built-ins, and a walk-in closet …