515 Canyon Oaks Dr Unit F
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 $37,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,692.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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 ($632 in 2026), not enough for a trend yet. The listing shows $632/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 185 days → strong negotiating leverage
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $632/mo
🚩 Red flags
- Listed BELOW its 2023 sale ($460k) → value eroding
Photos
Price history (this unit)
- Apr 9, 2026 — Listed $399,000
- Jun 23, 2023 — Sold (MLS) $460,000
- Jun 23, 2023 — Sold (Public Records) $460,000
- May 5, 2023 — Listed $449,000
- Oct 28, 2011 — Sold (MLS) $130,000
- Aug 23, 2011 — Price Changed $131,900
Description
Experience the perfect blend of tranquility and modern comfort in this rare upper-floor end-unit condo in the sought-after, gated Shadow Woods community. This 1BD/1BA home (~815 sq ft) features vaulted ceilings, an open-concept living and dining area with fireplace. Fresh paint and updated luxury vinyl plank flooring throughout, along with refreshed stone bathroom flooring for a clean, modern feel. Seamless indoor-outdoor living with two (newly rebuilt) private balconies. Spacious bedroom with walk-in closet, ensuite bath, and washer/dryer. Community amenities include a pool, spa, and tennis courts within a well-maintained gated setting. Ideally located near Leona Canyon trails, Skyline…