1280 Minnesota St #301
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
22% of that payment is not the mortgage. The HOA fee alone is $38,700 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,315.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,950). 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 ($645 in 2026), not enough for a trend yet. The listing shows $645/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
- Upper floor (fl 3)
- Garage parking
- Low HOA (0.6%/yr)
- Newer build (2012)
⚠️ Cons
- 23% above model fair value
- HOA $645/mo
🚩 Red flags
- Only 2 photos — verify condition
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $1,399,000
Description
Experience the vibrant energy of Dogpatch in this expansive, top-floor residence, showcasing sweeping Bay views. This sophisticated 2-bedroom condo seamlessly blends an elegant, light-filled interior with a thoughtful layout. The chef's kitchen is a beautifully designed culinary space, complete with stainless steel appliances, a vented gas stove, quartz countertops, and a breakfast bar that opens to the living and dining rooms with wide-plank oak floors and a cozy gas fireplace. 2 enormous bedrooms overlook the expansive landscaped interior commons for this HOA community. The 3rd bath has been cleverly converted to a 'Zoom room, ' perfect for private meetings but easy to close off from the…