177 19th St Unit 11E
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
35% of that payment is not the mortgage. The HOA fee alone is $107,640 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,639.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). 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
✅ Fairly steady · +2.9%/yrReconstructed from 13 units of recorded sales at 177 19th St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +2.9%/yr over 5 years across 13 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Garage parking
- HOA steady in this building (~2.9%/yr over 5yr)
⚠️ Cons
- 22% above model fair value
- HOA $1794/mo
- Older building (1959)
🚩 Red flags
- Very high HOA $1794/mo (full-service high-rise)
Photos
Price history (this unit)
- Nov 24, 2021 — Sold (MLS) $950,000
- Oct 20, 2021 — Listed $949,000
- Dec 7, 2013 — Sold (MLS) $582,000
- Sep 21, 2013 — Listed $595,000
- Feb 19, 1999 — Sold (MLS) $192,500
- Aug 11, 1998 — Listed $197,500
Description
Come experience Lake Royal living, where luxury meets convenience in the heart of beautiful Lake Merritt. This stunning Top-Floor unit offers breathtaking Panoramic Views and exceptional amenities designed for comfort in this well-connected community. Inside 11E, natural light pours through the floor-to-ceiling walls of glass, illuminating the open-concept living space. Gleaming hardwood floors and recessed lighting create a warm and sophisticated ambiance. The expansive private balcony is the crown jewel of this home, offering an unrivaled backdrop of Lake Merritt—perfect for alfresco dining, entertaining, or simply unwinding. Elegant updated kitchen and baths. Walls of closets as well as…