811 York St #237
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
46% of that payment is not the mortgage. The HOA fee alone is $50,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,699.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($12,450). 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
- 25% below model fair value
- On market 120 days → strong negotiating leverage
- Garage parking
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
- Back on market — a pending sale fell through (relisted Sep 22) — ask why
- Still cutting price ($289k→$265k→$249k)
- HOA $843/mo — 4.1%/yr of the price
Photos
Price history (this unit)
- Jul 15, 2026 — Price Changed $249,000
- May 7, 2026 — Price Changed $265,000
- Apr 7, 2026 — Listed $289,000
- Mar 21, 2000 — Sold (MLS) $110,000
- Mar 1, 2000 — Listed $110,000
Description
Discover this exceptionally well-located Lakeshore condo, offering both comfort and convenience in one of the area’s most vibrant neighborhoods. Ideally situated between the lively Lakeshore Avenue and Grand Avenue districts, this home places you in the heart of a walkable community filled with charming shops, diverse restaurants, cozy cafés, banks, grocery markets, retail options, and excellent public transportation. Truly a rare and desirable location. This spacious one-bedroom, one-bathroom unit has been thoughtfully upgraded throughout. The beautifully refreshed kitchen features new countertops, updated flooring, and modern appliances, all complemented by fresh paint and stylish…