1540 Lombard St Unit B
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 $49,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,822.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($67,450). 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 2026-11-05 — 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($825 in 2026), not enough for a trend yet. The listing shows $825/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
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- HOA $825/mo
- Older building (1947)
- Only 1 bath
🚩 Red flags
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $1,349,000
- Sep 11, 2020 — Sold (MLS) $1,235,000
- Sep 11, 2020 — Sold (Public Records) $1,235,000
- Jul 23, 2020 — Listed $1,099,000
Description
A private outdoor oasis in the heart of Cow Hollow! Stylishly updated and designed for effortless indoor-outdoor living, this inviting 2-bedroom, 1-bath condominium features an exceptional 424 sq ft exclusive-use patio, a rare urban retreat perfect for alfresco dining, entertaining or relaxing around the fire pit. Both bedrooms open directly to this wonderful outdoor space through striking steel-framed glass doors, creating a seamless connection between indoors and out. Inside, wide-plank light oak floors, contemporary lighting and abundant natural light set the tone. A bright, window-lined living and dining area flows into a beautifully appointed kitchen featuring two-tone cabinetry, sleek…