201 3rd St #302
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
27% of that payment is not the mortgage. The HOA fee alone is $64,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,666.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($57,500). 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
2 recorded pointsReconstructed from 2 units of recorded sales at 201 3rd 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
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
- Low HOA (1.1%/yr)
⚠️ Cons
- 33% above model fair value
- HOA $1074/mo
- Older building (1914)
🚩 Red flags
- Very high HOA $1074/mo (full-service high-rise)
- Listed BELOW its 2021 sale ($1200k) → value eroding
Photos
Price history (this unit)
- Sep 9, 2026 — Listed $1,250,000
- Oct 1, 2021 — Sold (MLS) $1,200,000
- Oct 1, 2021 — Sold (Public Records) $1,200,000
- Aug 19, 2021 — Listed $1,198,000
Description
The crown jewel at the Brickhouse Lofts in Jack London Square – Top floor, corner unit! One of 13 in a beautifully historic 1914 Jack London Square landmark. Urban-boutique community living. At 1,784 sq ft this space features a two-level layout with visual interest & functional separation. There are dramatic soaring ceilings & expansive industrial windows offering urban architecture views & an abundance of natural light. Automatic shades provide control & convenience. Inside enjoy, in-unit laundry, an excess of storage (with organizers), the office/den, 2 bedrooms with ensuite bathrooms & walk-in closets. The features list is long, delivering a move-in ready experience. The kitchen is…