150 Lombard St #302
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
30% of that payment is not the mortgage. The HOA fee alone is $91,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,328.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($62,500). 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 ($1,530 in 2026), not enough for a trend yet. The listing shows $1,532/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
⚠️ Cons
- 10% above model fair value
- HOA $1532/mo
🚩 Red flags
- Very high HOA $1532/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $1,250,000
- Jul 18, 2003 — Sold (MLS) $569,000
- Jul 18, 2003 — Sold (Public Records) $569,000
- Jan 9, 2003 — Listed $569,000
Description
Space is a luxury. Residence #302 at Telegraph Landing provides approximately 1,250 square feet of generously proportioned living, with two bedrooms, two full bathrooms, multiple exposures and a private patio that extends the home outdoors. Corner windows bring natural light into the expansive living and dining areas, where there is ample room to entertain, unwind and create distinct spaces for everyday life. A full wall of built-in cabinetry adds both character and exceptional storage, while the adjoining patio offers a leafy outlook over mature trees and space for a table and chairs. The generously sized primary suite opens directly to the patio, creating an easy indoor-outdoor connection…