1 Steuart Ln #606
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
33% of that payment is not the mortgage. The HOA fee alone is $185,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $13,023.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($99,750). 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 2026-11-05 — 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 6)
- In-unit W/D
- Newer build (2021)
⚠️ Cons
- 21% above model fair value
- HOA $3090/mo
🚩 Red flags
- Very high HOA $3090/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 29, 2026 — Listed $1,995,000
Description
Discover this generous 2-bedroom, 2-bathroom home in the most desired location along the waterfront of the Embarcadero. Residence 606 features an expansive great room for entertaining & a full gourmet kitchen including Gaggenau appliances, an oversized glorious white marble island with seating & a built-in wine cooler. The primary bedroom features an ensuite 5 piece bathroom, designed to rival any 5-star hotel. One Steuart Lane was designed by world-renown architects Skidmore, Owings & Merrill. The community is designed as a timeless connection between the city & the water. The Amenity Collection includes valet parking, attended lobby with porter service, a lounge with kitchen and…