200 Brannan St #205
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
25% of that payment is not the mortgage. The HOA fee alone is $67,260 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,633.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($79,900). 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 ($969 in 2026), not enough for a trend yet. The listing shows $1,121/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
- On market 51 days → some leverage
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- 21% above model fair value
- HOA $1121/mo
🚩 Red flags
- Very high HOA $1121/mo (full-service high-rise)
Photos
Price history (this unit)
- Apr 28, 2022 — Sold (MLS) $1,540,000
- Apr 27, 2022 — Sold (Public Records) $1,540,000
- Apr 25, 2022 — Listed $1,525,000
- Mar 1, 2017 — Sold (MLS) $1,465,000
- Mar 1, 2017 — Sold (Public Records) $1,465,000
- Jan 10, 2017 — Listed $1,495,000
Description
Don't miss this one-of-a-kind opportunity! Enjoy the best of both worlds: a serene sanctuary in the heart of it all. Experience loft-style living in this fabulous corner residence overlooking the lush, landscaped gardens of 200 Brannan. One of only four garden-facing units in the building, Loft 205 features two dramatic 17-foot floor-to-ceiling walls of windows that fill the home with natural light. Approximately 1,500 sq ft of living space, this unique home combines the open feel of a loft with the privacy of two enclosed bedrooms, plus a separate flex space and two full bathrooms. The lower level features a guest bedroom and full bathroom, while upstairs offers a spacious primary suite…