1 Steuart Ln #1903
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
23% of that payment is not the mortgage. The HOA fee alone is $217,680 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $44,009.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($338,000). 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 2026-11-05 — 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 23 units of recorded sales at 1 Steuart Ln — 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 19)
- In-unit W/D
- Low HOA (0.6%/yr)
- Newer build (2021)
⚠️ Cons
- 136% above model fair value
- HOA $3628/mo
🚩 Red flags
- Very high HOA $3628/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 29, 2026 — Listed $6,760,000
Description
One Steuart Lane offers a remarkably rare collection of homes along the famed Bay. With floor to ceiling windows, Residence 1903 is a spacious corner home facing northwest with 2700 square feeet, featuring 3 bedrooms, 3 bathrooms, a balcony, and a large laundry room. The living spaces and kitchen boast high quality materials from a collection of Gaggenau and Meile appliances, Dada cabinetry by Molteni group, Glorious marble islands, and immaculate white oak flooring. The master bath emanates warm coastal splendor with Glorious white marble, Dornbracht fixtures, Vali & Vali door handles, and Dada millwork by Molteni Group. Amenities include a grand lobby attended by lobby ambassadors, 24…