77 Dow Pl #307
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 $72,540 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,672.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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 ($1,209 in 2026), not enough for a trend yet. The listing shows $1,209/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
- Upper floor (fl 3)
- Garage parking
⚠️ Cons
- HOA $1209/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1209/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $849,000
Description
Dramatic 17-foot floor-to-ceiling windows fill this striking one-bedroom, 1.5-bath loft-style condominium with natural light, creating exceptional volume, openness, and architectural character. Offered by its original owner, this distinctive residence pairs exposed concrete details with engineered wood flooring for a sophisticated balance of warmth and modern urban style. Soaring ceilings make the impressive double-height living area feel even more expansive, while the open living and dining spaces are equally suited for relaxing, entertaining, and working from home. The kitchen features granite countertops and generous workspace. Upstairs, the spacious bedroom offers a private retreat with…