425 28th St Unit 201A
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
40% of that payment is not the mortgage. The HOA fee alone is $52,320 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,531.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($19,950). 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 2026-08-20 — 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 ($892 in 2026), not enough for a trend yet. The listing shows $872/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
- 20% below model fair value
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $872/mo
🚩 Red flags
- Listed BELOW its 2015 sale ($468k) → value eroding
Photos
Price history (this unit)
- Jul 27, 2026 — Listed $399,000
- Oct 20, 2015 — Sold (MLS) $467,700
- Oct 15, 2015 — Sold (Public Records) $468,000
- Jul 25, 2015 — Listed $439,000
Description
This large 1-bedroom, 1.5 bathroom condominium loft awards over 1200 square feet of smartly formatted living space in the core of the KONO district, formerly Pill Hill/Midtown. The downstairs opens to in-unit laundry, substantial bath, kitchen, dining room, living room and patio. Float upstairs to work in the office retreat or relax in the expansive sun-filled bedroom with en-suite full bath. Secured gated parking and an outdoor community courtyard offer added serenity. The property includes a convenient dog run, community room and personal storage closet in the garage. Note, HOA dues cover Google Fiber high-speed internet. Enjoy Whole Foods, Sprouts, Lake Merritt, BART/public transit, rest