First timer needung advice/opinions - I'm torn between 2 homes

Need Advice

I'm a first time home buyer moving to a new city and I've narrowed my search to 2 condos. Ive visited the city and looked at the condos in person but just cannot decide between them and I'm scared that whichever property I choose will be a bad choice.

My realtor says both properties are considered 'non conforming for the area' but I think they both have character. I like that they are really unique. Also, the math works out that at asking price, both properties would be roughly the same monthly cost after hoa and taxes are added in.

Condo 1 details: • 214k • 1 bed, 1.5 bath • roughly 800 sq ft • Time on market - 180 days

Condo 1 pros: • has an amazing view of the beach • is the cheaper property and i might be able to go lower on price the realtor thinks • is the property that prompted me to start looking in the area in the first place • I felt safe here and the crime maps i looked up said this is a pretty safe neighborhood

Condo 1 cons: • has a higher HOA fee • would want to make some updates in the future (install dish washer, new cabinets, new bathtub) not immediate concerns, just 'wants' • I really want 2 bed rooms to use as an office and a spare room when friends/family visit

Condo 2 details: • 2 bed 2 bath • 260k • 1100 sq ft • time on market over a year with multiple price reductions, delisting and relisting

Condo 2 pros: • no work would be needed, I love the finishes • has really tall ceilings • has a lower HOA fee • lower interest rate (doing an assumption and would get their record low Covid era interest rate - difference between purchase price and outstanding principal is the same amount roughly as I saved for a down payment) • is a short drive to multiple beaches • is in city downtown

Condo 2 cons: • higher purchase price • hoa packet is 57 pages long and written in 'legalese', im not confident i understand all of the document • no good views • I felt safe here but the crime maps i looked up said this is one of the less safe parts of the city

I would greatly appreciate any insight yall can give! Thank you!

Posted Feb 21, 2026, 5:39 PM UTC

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