110 Channel St #208
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
29% of that payment is not the mortgage. The HOA fee alone is $47,520 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,679.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,950). 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 ($809 in 2026), not enough for a trend yet. The listing shows $792/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 (1.4%/yr)
- Newer build (2017)
⚠️ Cons
- 22% above model fair value
- Small (505 sf)
- HOA $792/mo
🚩 Red flags
Photos
Price history (this unit)
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Description
Experience waterfront living at One Mission Bay! This bright junior 1BD/1BA enjoys serene Mission Creek views and a thoughtfully designed interior with hardwood floors, generous closet space, central heat and A/C, and in-unit laundry. The sleek galley kitchen features custom cabinetry, quartz countertops, and premium Gaggenau appliances. Residents enjoy resort-style amenities including 24-hour lobby staff, heated pool and hot tub, fitness center, sauna, resident lounges, fire pits, cabanas, BBQs, business center, library, and guest suite. Ideally located along Mission Creek with waterfront paths and parks just outside your door, plus Gus's Community Market, Arsicault Bakery, Chase Center…