152 Lombard St #508
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 $91,860 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,190.
FHA approval has expired on this project. An FHA buyer cannot use it today, and the fact that it once qualified and then stopped is worth asking the board about. Plan on a conventional loan — 5% down at the very least.
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
2 recorded pointsReconstructed from 2 units of recorded sales at 152 Lombard St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 5)
⚠️ Cons
- HOA $1531/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1531/mo (full-service high-rise)
Photos
Price history (this unit)
- —
Description
Comfort, Space, Serenity, and Spectacular Views Welcome home to this beautifully appointed condominium offering the perfect blend of comfort, space, and tranquility in San Francisco's historic North Waterfront neighborhood. Designed for effortless living and entertaining, this residence showcases views of Coit Tower and Telegraph Hill through a stunning wall of windows that fills the home with natural light. The expansive living and dining area features a cozy wood-burning fireplace, creating an inviting atmosphere for relaxing evenings or gatherings with friends and family. Just beyond, a private balcony offers the perfect retreat for morning coffee, outdoor dining, or simply taking in the…