325 Kitty Hawk Rd #304
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
29% of that payment is not the mortgage. The HOA fee alone is $33,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,529.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,265). 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
5 recorded pointsReconstructed from 10 units of recorded sales at 325 Kitty Hawk Rd — 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
- Upper floor (fl 3)
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- 15% above model fair value
- HOA $550/mo
- Older building (1964)
🚩 Red flags
- Listed BELOW its 2018 sale ($600k) → value eroding
Photos
Price history (this unit)
- Oct 7, 2026 — Listed $525,300
- Nov 9, 2018 — Sold (MLS) $600,000
- Nov 9, 2018 — Sold (Public Records) $600,000
- Aug 20, 2018 — Listed $588,000
- Dec 15, 1998 — Sold (Public Records) $135,000
- Dec 14, 1998 — Sold (MLS) $135,000
Description
Stunning contemporary condo in a premier elevator building, perfectly positioned to overlook the sparkling swimming pool and lush interior quad. Step out onto the private balcony to enjoy serene views of the beach and San Francisco Bay. Inside, the home shines with luxury vinyl flooring and fresh modern paint throughout. The charming, updated kitchen features sleek stainless steel appliances, a beautiful custom backsplash, designer wood cabinetry, a walk-in pantry, and an adjustable chef's fan. Designed for optimal privacy, the floor plan positions two spacious bedrooms on opposite ends of the unit, including a primary suite with direct balcony access and two full, upgraded bathrooms.…