188 Minna St Unit 36E
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 $271,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $55,645.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($419,750). 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)
- In-unit W/D
- Garage parking
- Low HOA (0.6%/yr)
⚠️ Cons
- 279% above model fair value
- HOA $4517/mo
🚩 Red flags
- Very high HOA $4517/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 8, 2026 — Listed $8,395,000
Description
Bathed in extraordinary light and framed by sweeping panoramic views of the San Francisco Bay, this exquisitely curated St. Regis Residence is a masterclass in elevated urban living. Oversized windows capture cinematic vistas from sunrise to dusk, while refined interiors blend contemporary sophistication with gallery-quality design and an unmistakable sense of warmth. Recently transformed under the guidance of renowned Santa Barbara interior designer Stephan Jones, the approximately 2,800-square-foot, two-bedroom, three and one-half bath residence was reimagined as a serene retreat high above the city atop the iconic St. Regis Hotel Tower. The entertaining spaces unfold with effortless…