3535 Wawona St #315
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 $44,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,176.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($46,250). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($743 in 2026), not enough for a trend yet. The listing shows $743/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 69 days → some leverage
- Upper floor (fl 3)
- In-unit W/D
- Low HOA (1%/yr)
⚠️ Cons
- HOA $743/mo
🚩 Red flags
Photos
Price history (this unit)
- Aug 3, 2026 — Listed $945,000
- Aug 31, 2023 — Sold (Public Records) $883,000
Description
Welcome to The Westerly, a modern luxury condominium community located just one block from Ocean Beach. This spacious 2-bedroom, 2-bath residence features contemporary finishes throughout, including stainless steel appliances with an induction range, quartz countertops, European-style cabinetry, and laminate flooring. Residents enjoy an impressive array of amenities, including a club lounge, ocean-view terraces with outdoor seating and fire pits, landscaped community herb gardens, a dog wash station, indoor bike parking, and underground parking available for lease, with additional street parking nearby. Ideally located near Ocean Beach, highly regarded schools, Muni, and major freeways, The…