1148 Eddy St Unit D
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
26% of that payment is not the mortgage. The HOA fee alone is $36,600 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,341.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,950). 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 ($610 in 2026), not enough for a trend yet. The listing shows $610/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
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- HOA $610/mo
🚩 Red flags
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $799,000
Description
Directly across from Jefferson Square Park, this light-filled, top-floor condominium offers a thoughtfully designed layout with charming architectural details and inviting living spaces. Fully remodeled in 2015, the home features crown molding throughout the living and dining areas, which flow into a gourmet kitchen with custom cabinetry, granite countertops, updated stainless steel appliances, and an illuminated, two-sided glass display cabinet above the breakfast bar. Both bedrooms feature custom closets, with the primary bedroom offering a vaulted ceiling and private balcony. The second bedroom includes a built-in home office with custom cabinetry, granite countertop, and integrated…