1201 Pine St #315
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
30% of that payment is not the mortgage. The HOA fee alone is $38,280 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,692.
FHA-approved project. A 3.5%-down FHA loan is available here — about $19,250 down instead of $110,000. That also keeps low-down-payment buyers in the pool when you come to sell.
Minimum realistic down payment here: 3.5% · 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 6 units of recorded sales at 1201 Pine St — 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
- 27% below model fair value
- On market 111 days → strong negotiating leverage
- Upper floor (fl 3)
- In-unit W/D
⚠️ Cons
- HOA $638/mo
🚩 Red flags
- Listed BELOW its 2025 sale ($672k) → value eroding
Photos
Price history (this unit)
- Jun 22, 2026 — Listed $599,000
- Jul 3, 2025 — Sold (Public Records) $671,500
Description
LIVE! WORK! PLAY! ENJOY!! Award winning Pacific Cannery Lofts. HUGE Amazing Space with an outdoor balcony to enjoy a lush courtyard view. 1894 sq ft Open Concept floorplan with many versatile spaces to enjoy your lifestyle. Main level is one big open space. NEW White Ash flooring on both levels. Light and bright Kitchen has all new appliances, granite countertops, upgraded stainless sink and faucet. 2 spacious full bathrooms upstairs and 1st floor powder room. Extra high ceilings and natural light. Upstairs landing area is perfect for a home office or exercise area. Second level has a very private huge Primary Bedroom, big closet with built ins and roomy bathroom. Nice second bedroom &…