177 19th St Unit 7B
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
37% of that payment is not the mortgage. The HOA fee alone is $114,360 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,977.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,750). 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
- On market 150 days → strong negotiating leverage
- Garage parking
- HOA steady in this building (~2.9%/yr over 5yr)
⚠️ Cons
- HOA $1906/mo
- Older building (1959)
- Ground floor
🚩 Red flags
- Very high HOA $1906/mo (full-service high-rise)
Photos
Price history (this unit)
- Jun 25, 2026 — Price Changed $895,000
- May 14, 2026 — Listed $925,000
Description
Imagine waking up to a breathtaking view of Lake Merritt and stepping outside onto your private patio, coffee in hand, watching the morning light dance across the water while listening to the sound of the birds singing around you. From the moment you arrive at 177 19th St, you will feel the difference. We welcome you to experience this rare 1774 sq.ft. 3-bedroom, 2 full bathroom residence in the iconic Lake Royal. One of the friendly door staff will call the elevator to the 7th floor, where you can enjoy this light-filled, open floor plan with walls of glass showcasing breathtaking Lake Merritt and hill views. The spacious living and dining areas flow seamlessly to an expansive covered…