595 22nd St
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
22% of that payment is not the mortgage. The HOA fee alone is $13,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,017.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,950). 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 2026-10-08 — 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($217 in 2026), not enough for a trend yet. The listing shows $217/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
- 13% below model fair value
- On market 268 days → strong negotiating leverage
- In-unit W/D
- Low HOA (0.4%/yr)
⚠️ Cons
- Older building (1908)
🚩 Red flags
Photos
Price history (this unit)
- Jun 8, 2026 — Price Changed $620,000
- Jan 16, 2026 — Listed $639,000
- Aug 16, 2002 — Sold (MLS) $345,000
- Aug 16, 2002 — Sold (Public Records) $345,000
- May 8, 2002 — Listed $345,000
Description
Fresh Price! Introducing an Uptown flat in a boutique 6-unit Victorian building. This condo feels like a single-family home with a generous living area and proper dining room both with gleaming hardwood floors. Two generous sized bedrooms boast large walk-in closets and fresh carpet. Upper corner location with lots of energy efficient windows bring in natural light. The unit benefits from a spacious office so you can work from home. A private balcony off the primary bedroom provides a spot to enjoy the outdoors in the sun or unfurl the retractable awning for some shade. An oversized attic for storage and endless possibilities. Condo features in unit laundry, deeded parking for one car, and…