14404 Seagate Dr
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
25% of that payment is not the mortgage. The HOA fee alone is $25,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,288.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,000). 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
2 recorded pointsReconstructed from 1 unit of recorded sales at 14404 Seagate Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- On market 114 days → strong negotiating leverage
- In-unit W/D
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- 19% above model fair value
🚩 Red flags
- Still cutting price ($679k→$664k→$650k→$640k)
- Listed BELOW its 2022 sale ($680k) → value eroding
Photos
Price history (this unit)
- Aug 21, 2026 — Price Changed $640,000
- Jul 24, 2026 — Price Changed $649,888
- Jun 26, 2026 — Price Changed $663,888
- Jun 19, 2026 — Listed $678,888
- Oct 17, 2022 — Sold (Public Records) $680,000
- Feb 17, 2017 — Sold (Public Records) $395,000
Description
Nestled in the desirable gated Marina Seagate Community is this 2 bedroom / 2.5 bathroom townhouse-style 2 story condo offering 1,346 square feet of living space. Boasting an open floor plan living area consisting of an updated kitchen equipped with stainless steel appliances and breakfast bar, formal dining area, step-down living room with custom fireplace that leads out into an enclosed patio overlooking a greenbelt. The upper level consists of 2 bedrooms / 2 bathrooms and a convenient laundry closet in the hallway. The primary en-suite features vaulted ceilings, walk-in closet, bathroom with dual sinks and a private balcony. Other amenities include, recessed lighting, laminate flooring…