1559 Lombard St
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
19% of that payment is not the mortgage. The HOA fee alone is $21,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $17,282.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($132,500). 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 2026-11-05 — 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 ($350 in 2026), not enough for a trend yet. The listing shows $350/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 (0.2%/yr)
⚠️ Cons
- 84% above model fair value
- Older building (1923)
🚩 Red flags
Photos
Price history (this unit)
- Oct 30, 2026 — Listed $2,650,000
Description
Perched on the top floor in the heart of Cow Hollow, 1559 Lombard Street is a light-filled, fully reimagined residence where thoughtful design meets understated luxury. Renovated top to bottom in 2019, the home offers the crispness and craftsmanship of new construction in a serene, sophisticated palette. Elevated ceilings and skylights over the living and dining areas bathe the open-concept main level in natural light from morning to evening. Wide-plank pale oak floors flow throughout. Every detail thoughtfully considered, central heating and air- conditioning, recessed lighting, integrated ceiling speakers, a floating staircase with glass railing, triple-pane bay windows and premium sound…