811 York St #136
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
45% of that payment is not the mortgage. The HOA fee alone is $51,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,805.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($13,250). 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
✅ Falling · -5.3%/yrReconstructed from 11 units of recorded sales at 811 York St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have actually fallen over 5 years across 11 units — unusual. Worth confirming the building isn't underfunding its reserves to keep the fee low.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 26% below model fair value
⚠️ Cons
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- HOA $860/mo — 3.9%/yr of the price
Photos
Price history (this unit)
- Oct 7, 2026 — Listed $265,000
Description
Open 10/11 Sun 2-4p. Discover urban living at its best in this spacious 1 bedroom, 1 bath condo in the desirable Lakeshore/Grand neighborhood. Bright and inviting, this pool facing home features floor to ceiling windows, updated flooring and an open layout that fills the space with natural light. Step outside to your private deck, the perfect spot to enjoy morning coffee, dine al fresco or relax overlooking the pool. The well designed kitchen offers quartz countertops and ample cabinetry, while the generously sized bedroom provides plenty of closet space. Enjoy the convenience and security of a gated building with key fob entry, assigned garage parking and private storage. Community…