200 Lakeside Dr #202
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 $121,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,745.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,995). 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 · +10.7%/yrReconstructed from 9 units of recorded sales at 200 Lakeside Dr — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 50% in 4 years — about +10.7%/yr across 9 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
- On market 70 days → some leverage
- Garage parking
⚠️ Cons
- 13% above model fair value
- HOA $2020/mo
- Older building (1924)
🚩 Red flags
- HOA rising ~11%/yr in this building ($1345/mo in 2022 → $2020)
- Very high HOA $2020/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 19, 2026 — Price Changed $859,900
- Jul 10, 2026 — Listed $839,900
- May 21, 2025 — Sold (MLS) $725,000
- May 21, 2025 — Sold (Public Records) $725,000
- Apr 17, 2025 — Listed $789,000
- Jun 20, 2012 — Sold (MLS) $453,700
Description
Rare corner residence in the iconic Beaux Arts Regillus, where timeless architecture meets exceptional Lake Merritt living. A grand entry foyer welcomes you into a sun-drenched living space with soaring ceilings, elegant period detailing, and beautiful hardwood floors throughout. An exquisite marble wood-burning fireplace serves as the centerpiece of the living room, creating a warm and sophisticated gathering space. Sliding glass doors in every room open to a wraparound balcony, seamlessly blending indoor and outdoor living while showcasing views of the beautifully manicured courtyard gardens and iconic Lake Merritt. Two spacious bedrooms enjoy picturesque lake views, offering a serene…