150 Lombard St #308
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
32% of that payment is not the mortgage. The HOA fee alone is $91,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,169.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($53,750). 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 $1,530/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
- On market 70 days → some leverage
- Upper floor (fl 3)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $1530/mo
🚩 Red flags
- Very high HOA $1530/mo (full-service high-rise)
Photos
Price history (this unit)
- Jun 23, 2021 — Sold (Public Records) $1,000,000
- Feb 27, 2004 — Sold (Public Records) $500,000
Description
Welcome Home to Telegraph Landing North North Waterfront Living at Its Finest! Perched in the coveted Telegraph Landing North complex on San Francisco's North Waterfront, this beautifully updated 2-bedroom, 2-bathroom condo offers 1,172 square feet of sophisticated city living. The chef's kitchen has been thoughtfully updated with newer stainless steel appliances and abundant storage, perfect for home cooks and entertainers alike. The en-suite primary bedroom is a true retreat, featuring a spacious walk-in closet and a private terrace ideal for savoring your morning coffee in peace. The generously sized second bedroom offers ample closet space and flexes easily as a home office for remote…