1000 North Point St #201
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 $121,560 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,315.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,400). 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
2 recorded pointsReconstructed from 4 units of recorded sales at 1000 North Point St — 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
- Garage parking
⚠️ Cons
- HOA $2026/mo
- Older building (1963)
🚩 Red flags
- Very high HOA $2026/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $1,248,000
- Sep 25, 2026 — Listed $1,248,000
Description
Completely reimagined from the studs, this sophisticated residence at the iconic Fontana East blends the enduring elegance of mid-century architecture with refined modern design. This light-filled corner residence welcomes you with a semi-private elevator hall and unfolds with clean architectural lines, rich textures, and a calming palette inspired by its waterfront setting. Two dramatic floor-to-ceiling windows in the living room frame unobstructed views of Alcatraz that continue into the tranquil primary suite. The beautifully crafted kitchen anchors the home, seamlessly connecting the living spaces for effortless entertaining and everyday living. Amenities include one deeded parking…