625 Madison St #107
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
36% of that payment is not the mortgage. The HOA fee alone is $32,580 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $2,004.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($14,750). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($543 in 2026), not enough for a trend yet. The listing shows $543/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
- On market 750 days → strong negotiating leverage
⚠️ Cons
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Still cutting price ($325k→$324k→$299k)
Photos
Price history (this unit)
- Jun 28, 2026 — Price Changed $299,000
- Apr 27, 2026 — Price Changed $324,000
- Feb 25, 2026 — Price Changed $325,000
- Oct 3, 2025 — Price Changed $320,000
- Aug 15, 2025 — Price Changed $325,000
- Mar 17, 2025 — Price Changed $328,000
Description
INCREDIBLE VALUE NEhhW PRICE!! Delightful condo spacious one bedroom unit with ease of walk-ability to Laney College, BART, and Chinatown Enjoy the delicious food in the restaurants near-by. This unit is move in ready with up to date remodeled kitchen and bathroom. Beautiful new gas stove,new refrigerqtor, new dishwasher and all new cabinetry. There is a large enclosed balcony for the owner to relax and to entertain. Parking for a very small car. Why rent, when you can buy!