125 Gilbert St #10
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
27% of that payment is not the mortgage. The HOA fee alone is $43,560 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,571.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($726 in 2026), not enough for a trend yet. The listing shows $726/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%/yr)
⚠️ Cons
- HOA $726/mo
- Ground floor
🚩 Red flags
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
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Description
Soaring Live/Work Loft in the Heart of SoMa. Tucked on a serene one-block street, this light-filled 1BR/1.5BA live/work loft offers 996 sq ft of updated living space (per floor plan). The double-height great room is framed by a two-story wall of steel-framed windows and French doors opening to an exclusive balcony, with expansive windows pulling light into the space. A sculptural gas fireplace anchors the living and dining areas, and wide-plank oak floors run throughout the main level. The open kitchen features a waterfall-edge peninsula with seating, white flat-panel cabinetry, a gas cooktop, oven, microwave, dishwasher, and a wine refrigerator. A powder room dressed in bold botanical…