1695 15th #12
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 $36,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,527.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,250). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($50 in 2026), not enough for a trend yet. The listing shows $604/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- In-unit W/D
- Low HOA (1.4%/yr)
⚠️ Cons
- HOA $604/mo
- Older building (1958)
- Ground floor
🚩 Red flags
- Listed BELOW its 2025 sale ($567k) → value eroding
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $525,000
- Jul 22, 2025 — Sold (MLS) $567,000
- Jul 21, 2025 — Sold (Public Records) $567,000
- Jun 13, 2025 — Listed $570,000
- Apr 9, 2013 — Sold (MLS) $235,000
- Apr 5, 2013 — Sold (Public Records) $235,000
Description
Filled with natural light and tucked behind a private gated courtyard, Unit 12 at Willow Court Lofts offers soaring ceilings, polished concrete radiant-heated floors, abundant natural light and a flexible tri-level layout that truly stands apart. This spacious live/work loft blends industrial character with modern comfort, giving you the flexibility to live, work, create, and entertain.Originally built as a 1958 warehouse and thoughtfully converted to loft condominiums in 2007 by renowned architect Thomas Dolan, Willow Court Lofts showcases distinctive architectural details and a unique sense of place. A commuter's dream, convenient access to BART, the Bay Bridge, and San Francisco. Located…