1011 23rd St #6
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
25% of that payment is not the mortgage. The HOA fee alone is $65,100 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,950.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($74,750). 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 ($1,085 in 2026), not enough for a trend yet. The listing shows $1,085/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
- Low HOA (0.9%/yr)
⚠️ Cons
- 10% above model fair value
- HOA $1085/mo
- Ground floor
🚩 Red flags
- Very high HOA $1085/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Dramatic scale, abundant natural light, and a flexible three-level floor plan define this sophisticated Dogpatch loft. Floor-to-ceiling windows illuminate the expansive main living level, where soaring ceilings, maple floors, and a gas fireplace create an impressive yet comfortable setting for everyday living and entertaining. The open kitchen is thoughtfully integrated into the space with granite counters, stainless steel appliances, and generous cabinetry. Above, the loft bedroom offers a serene retreat overlooking the living space, with sliding doors that allow it to be enclosed for added privacy. Downstairs, an expansive primary suite creates a distinctly private second living zone…