102 Mary Teresa St
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
21% of that payment is not the mortgage. The HOA fee alone is $19,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,335.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($47,450). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($325 in 2026), not enough for a trend yet. The listing shows $325/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
- 12% below model fair value
- In-unit W/D
- Garage parking
- Low HOA (0.4%/yr)
⚠️ Cons
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 10, 2026 — Listed $949,000
- May 17, 2010 — Sold (MLS) $496,000
- Jan 27, 2010 — Listed $499,000
Description
Located on a quiet cul-de-sac, this beautifully finished, spacious two-level home offers three bedrooms, two-and-a-half baths, and an open floor plan designed for both everyday living and entertaining. The main level features an expansive living, dining, and kitchen area with beautiful hardwood floors, abundant natural light, and quality finishes throughout. The open-concept kitchen is outfitted with stainless steel appliances and generous workspace, while large windows create a bright and airy feel. A gas fireplace adds warmth to the living space and makes this level equally suited for quiet evenings at home or gathering with friends. Upstairs, three spacious bedrooms provide separation…