200 Brannan St #214
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
30% of that payment is not the mortgage. The HOA fee alone is $56,220 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,016.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($37,493). 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 $937/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 47 days → some leverage
- Garage parking
⚠️ Cons
- HOA $937/mo
🚩 Red flags
- Listed BELOW its 2020 sale ($970k) → value eroding
Photos
Price history (this unit)
- Aug 25, 2026 — Listed $799,850
- Mar 17, 2020 — Sold (MLS) $970,000
- Mar 17, 2020 — Sold (Public Records) $970,000
- Feb 14, 2020 — Listed $849,500
- Jul 13, 2006 — Sold (MLS) $583,500
- Jul 13, 2006 — Sold (Public Records) $583,500
Description
Sophisticated, contemporary South Beach loft with 17-foot ceilings and floor-to-ceiling windows, flooding natural light throughout. Completely remodeled gourmet kitchen boasts stainless steel sink and appliances, gas range, new cabinetry. Many custom features, including hardwood floors on both levels, extended wraparound Carrera counters, wine refrigerator, custom built-ins. Museum size walls, great for exhibiting art. Generous closet space, with built-in system. Large bathroom, with space for linen cupboard or other storage. One deeded parking space in secure private garage. Perfect for full time living, a second home, or as an investment rental property. Just one block from the…