851 Arlington 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
25% of that payment is not the mortgage. The HOA fee alone is $21,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,348.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($24,900). 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 ($350 in 2026), not enough for a trend yet. The listing shows $350/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 170 days → strong negotiating leverage
- In-unit W/D
- Low HOA (0.8%/yr)
⚠️ Cons
- Older building (1911)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Jun 9, 2026 — Price Changed $598,000
- Apr 24, 2026 — Listed $640,000
- Apr 30, 2014 — Sold (MLS) $395,000
- Apr 29, 2014 — Sold (Public Records) $395,000
- Apr 2, 2014 — Listed $369,000
Description
Morning light moves easily through this home. Set along a quiet, tree-lined stretch of Arlington Avenue, this cheery two-bedroom Edwardian unfolds with an immediate sense of calm and openness. Positioned on the second floor of a classic four-unit building, the home’s eastern exposure welcomes soft morning light that gently fills the living spaces as the day begins. The layout has been thoughtfully reimagined into an open-concept design, where the kitchen becomes the natural center of daily life. Anchored by stone counters, stainless steel appliances, and clean modern lines, it’s a space suited for both quiet mornings and easy evenings with friends, spilling out to an inviting balcony just…