1637 Chestnut 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
18% of that payment is not the mortgage. The HOA fee alone is $19,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $16,957.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($130,000). 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 ($325 in 2026), not enough for a trend yet. The listing shows $325/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
- Garage parking
- Low HOA (0.1%/yr)
⚠️ Cons
- 83% above model fair value
- Older building (1924)
🚩 Red flags
Photos
Price history (this unit)
- Nov 4, 2026 — Listed $2,600,000
- Sep 8, 2026 — Sold (MLS) $2,600,000
- Sep 8, 2026 — Sold (Public Records) $2,600,000
- Aug 27, 2026 — Listed $1,995,000
- May 9, 2022 — Sold (MLS) $1,995,000
- May 9, 2022 — Sold (Public Records) $1,995,000
Description
A gift for you: Transparent pricing! Yes, you read that right. No bidding war, just an easy deal. Fall in love; write it up; get it done! And, there is so much to love - Perched atop an elevated Marina two-unit building, and notably outside of liquefaction, this sun-filled home captures the easy charm the neighborhood is known for. Bay windows and period moldings frame a living room made for slow mornings and evening entertaining, finished with built-in shelving and a custom bar with a wine fridge and dedicated wine storage. A generous dining room sets the stage for dinner parties, and the gourmet kitchen pairs everyday function with modern style. Both bedrooms sit at the rear of the home…