188 Minna St Unit 32E
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
26% of that payment is not the mortgage. The HOA fee alone is $259,380 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $32,467.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($244,750). 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
2 recorded pointsReconstructed from 15 units of recorded sales at 188 Minna St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 3)
- Low HOA (1.1%/yr)
- Newer build (2005)
⚠️ Cons
- 125% above model fair value
- HOA $4323/mo
🚩 Red flags
- Very high HOA $4323/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $4,895,000
Description
Elevate your lifestyle with the unparalleled elegance of St. Regis Residences, SF. This home is a rare gem on the highly sought-after SE corner, offering panoramic 270-degree views stretching from FiDi to the Bay. This sophisticated residence features 3 bedrooms and 3.5 baths. The expansive great room, with its seamless flow between the open living and formal dining area, all framed by spectacular views that impress both day and night. The gourmet kitchen, a chef's dream, boasts premium appliances, complimented by a stylish eat-in dining area. The primary suite is a sunlit sanctuary, basking in southern exposure and views of both the City and the Bay. The primary bath is elegantly clad in…