200 Brannan St #137
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 $58,140 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,221.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($47,450). 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 2026-11-05 — 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 ($969 in 2026), not enough for a trend yet. The listing shows $969/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
- Garage parking
- Low HOA (1.2%/yr)
⚠️ Cons
- 31% above model fair value
- HOA $969/mo
- Ground floor
🚩 Red flags
Photos
Price history (this unit)
- Aug 21, 2026 — Listed $949,000
- Apr 24, 2018 — Sold (MLS) $945,000
- Feb 23, 2018 — Price Changed $925,000
- Jan 18, 2018 — Listed $899,000
- Jan 9, 2018 — Sold (Public Records) $950,000
- Feb 28, 2013 — Sold (Public Records) $625,000
Description
Steps from Oracle Park, the Embarcadero, and San Francisco Bay, this fully upgraded loft at 200 Brannan offers high-design finishes throughout. Wide-plank hardwood floors lead into a soaring living space with high-end fixtures and exclusive access to a private outdoor terrace. The gourmet kitchen features a suite of high-performance appliances and abundant storage, while the fully refurbished bathroom offers an oversized walk-in shower and modern vanity. The oversized loft bedroom includes a generous walk-in closet and flexible space for a home office. 200 Brannan delivers the best of urban living full-service doorman, on-site fitness center, and a beautifully landscaped courtyard. This is…