52 Kirkwood Ave #319
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
31% of that payment is not the mortgage. The HOA fee alone is $48,060 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,923.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,240). 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 ($801 in 2026), not enough for a trend yet. The listing shows $801/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
- Upper floor (fl 3)
- Garage parking
- Newer build (2023)
⚠️ Cons
- 11% above model fair value
- HOA $801/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $584,800
Description
Special Developer Financing for qualified buyers 30-Year Fixed 5.125% or 7/6 ARM 4.625%. Limited-time opportunity! Wake up to abundant natural light and water views in one of the final opportunities to own a new-construction home in this vibrant waterfront community. This beautifully designed single-level residence offers an open, efficient layout that lives larger than its footprint, blending contemporary style with everyday comfort. The southwest-facing orientation fills the home with natural light while overlooking the professionally landscaped courtyard and capturing views of the Bay. The designer kitchen is appointed with quartz countertops, modern cabinetry, and a complete GE…