1650 Broadway St #102
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
23% of that payment is not the mortgage. The HOA fee alone is $94,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $18,560.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($139,750). 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 ($1,555 in 2026), not enough for a trend yet. The listing shows $1,570/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)
- Newer build (2016)
⚠️ Cons
- 88% above model fair value
- HOA $1570/mo
- Ground floor
🚩 Red flags
- Very high HOA $1570/mo (full-service high-rise)
- FLIP: bought $2200k 2026, relisted +27%
Photos
Price history (this unit)
- Oct 5, 2026 — Listed $2,795,000
- Mar 31, 2026 — Sold (Public Records) $2,200,000
Description
A rare opportunity to own a ground-floor residence at The LuXe, one of San Francisco's distinctive newer condominium developments, completed in 2016. Residence 102 offers the ease of lobby-level access without the need for an elevator, along with a feature rarely found in city living: exclusive use of two private patios. The thoughtfully designed three-bedroom, two-and-a-half-bath residence offers a spacious and versatile floor plan with an open living and dining area that extends directly outdoors to one of the patiosan inviting setting for entertaining, morning coffee, or simply enjoying a private outdoor retreat. The second patio, shared by the two additional bedrooms, adds another…