1688 Pine St Unit W506
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
28% of that payment is not the mortgage. The HOA fee alone is $45,480 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,010.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($37,450). 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 2026-10-08 — 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
✅ Fairly steady · +3.3%/yrReconstructed from 11 units of recorded sales at 1688 Pine St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +3.3%/yr over 5 years across 11 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Low HOA (1.2%/yr)
- Newer build (2016)
⚠️ Cons
- 12% above model fair value
- HOA $758/mo
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 3, 2026 — Listed $749,000
Description
Immaculate! Refined Modern Living at Rockwell. Crafted in 2016, this exceptional one-bedroom, one-bath residence at Rockwell delivers a bright, contemporary lifestyle in San Francisco’s coveted Lower Pacific Heights. Just moments from Whole Foods, and close to the vibrant Fillmore and Polk corridors, enjoy effortless access to dining, shopping, and neighborhood charm. Step into an airy, light-filled home defined by clean modern lines and an open, thoughtful layout. Enjoy stunning floor-to-ceiling windows enhanced with Hunter Douglas blinds and remote control operation, bringing comfort, privacy, and effortless light control to daily living. Stay comfortable year-round with central heating…