1325 Indiana St #316
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
24% of that payment is not the mortgage. The HOA fee alone is $45,420 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($657 in 2025), not enough for a trend yet. The listing shows $757/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 (0.7%/yr)
⚠️ Cons
- 29% above model fair value
- HOA $757/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $1,248,000
- May 22, 2018 — Sold (MLS) $1,100,000
- Apr 17, 2018 — Listed $1,100,000
- Oct 1, 2003 — Sold (MLS) $441,500
- Jul 10, 2003 — Listed $439,000
Description
Spectacular Two-Level End-Unit Loft with Downtown and Bay Views Soaring ceilings, abundant natural light, and sweeping views make this two-level end-unit loft a standout in the heart of Dogpatch. Expansive windows frame the San Francisco skyline, Salesforce Tower, the Bay Bridge, and the city lights after dark, while the end-unit position offers a welcome sense of privacy. The open living and dining area provides an inviting setting for everyday life and entertaining, with direct access to a private balcony. A bedroom and full bath on the main level offer flexibility for guests, a home office, or a second bedroom. Upstairs, the primary suite features outstanding views, walk-in closets, an…