181 Fremont St Unit 55C
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
33% of that payment is not the mortgage. The HOA fee alone is $253,620 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $17,897.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($134,750). 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 ($3,618 in 2026), not enough for a trend yet. The listing shows $4,227/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
- Upper floor (fl 5)
- In-unit W/D
- Garage parking
- Newer build (2018)
⚠️ Cons
- 86% above model fair value
- HOA $4227/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $4227/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 29, 2026 — Listed $2,695,000
- Oct 27, 2020 — Sold (Public Records) $2,150,000
Description
Designed around the skyline, Residence #55C at 181 Fremont pairs panoramic glass-wrapped living spaces with sophisticated contemporary interiors and a two-bedroom-plus-den floor plan built for both connection and retreat. Set on the northwest corner of the tower, this approximately 1,605-square-foot residence unfolds beneath almost 10'' ceilings, with expansive glazing extending through the living room, dining area, kitchen and bedrooms to keep the city and Bay continuously in view. The layout balances openness with intimacy: living and dining spaces flow together along the glass, while an intimate, more enveloping den and office create a distinct retreat within the home. Fumed French oak…