52 Kirkwood Ave #321
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
32% 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 $3,625.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,990). 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
- On market 72 days → some leverage
- Upper floor (fl 3)
- Garage parking
- Newer build (2023)
⚠️ Cons
- HOA $801/mo
🚩 Red flags
Photos
Price history (this unit)
- Jul 31, 2026 — Listed $539,800
Description
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 sunshine 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 stainless steel appliance package, including a gas range, microwave, refrigerator, dishwasher, and in-unit washer and dryer. The…