4 Anchor Dr Unit F441
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
39% of that payment is not the mortgage. The HOA fee alone is $38,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $1,937.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($14,250). 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
🚩 Rising fast · +7.8%/yrReconstructed from 10 units of recorded sales at 4 Anchor Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 45% in 5 years — about +7.8%/yr across 10 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Garage parking
⚠️ Cons
- 15% above model fair value
- Small (432 sf)
- HOA $642/mo
🚩 Red flags
- Listed BELOW its 2005 sale ($302k) → value eroding
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $285,000
- Feb 9, 2005 — Sold (MLS) $302,000
- Feb 9, 2005 — Sold (Public Records) $302,000
- Jan 6, 2005 — Listed $215,000
- Apr 6, 1989 — Sold (Public Records) $83,000
- Mar 23, 1981 — Sold (Public Records) $80,000
Description
This top-floor, west-facing studio offers stunning, unobstructed views of the San Francisco skyline, Bay Bridge and Golden Gate Bridge. Floor-to-ceiling windows make the view the centerpiece of every moment, from morning coffee to the nightly sunset show. Inside, the thoughtfully modified space takes full advantage of this enviable front row seat and the abundant sunlight pouring in. Painted wood cabinetry and lovely mediterranean ceramic tile countertops and backsplash bring cozy charm to the kitchen and its inviting breakfast bar, while the main living space is warmed by bamboo flooring and a spacious cedar lined closet. Step outside to the San Francisco Bay Trail for a morning jog…