NEW10 Innes Ct #406
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
26% of that payment is not the mortgage. The HOA fee alone is $45,840 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,004.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($44,950). 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 ($679 in 2026), not enough for a trend yet. The listing shows $764/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
- Brand-new listing
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $764/mo
🚩 Red flags
Photos
Price history (this unit)
- Oct 12, 2026 — Listed $899,000
- Sep 12, 2026 — Rental Removed $4,995
- Sep 9, 2026 — Listed for Rent $4,995
- Jul 24, 2025 — Rental Removed $4,550
- Jul 22, 2025 — Listed for Rent $4,550
- Jul 21, 2025 — Rental Removed $4,550
Description
Sweeping wraparound views of the Bay, San Francisco skyline, and Bay Bridge create a breathtaking backdrop for this rare top-floor corner residence. Offering three bedrooms, two baths, a generous open layout, and two private balconies, the home pairs exceptional scale with effortless indoor-outdoor living. The light-filled living and dining areas flow into a contemporary kitchen appointed with quartz countertops, stainless steel appliances, and abundant storage. The serene primary suite features a walk-in closet and en suite bath, while two additional bedrooms offer versatile space for guests, a home office, or everyday living. Air conditioning, automated window shades, in-unit laundry…