200 Brannan St #307
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 $67,560 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,487.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($71,250). 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 $1,126/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
- 54% below its 2020 peak
- Upper floor (fl 3)
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- HOA $1126/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1126/mo (full-service high-rise)
- Listed BELOW its 2020 sale ($3100k) → value eroding
Photos
Price history (this unit)
- Sep 11, 2026 — Listed $1,425,000
- Jul 22, 2020 — Sold (Public Records) $3,100,000
- Sep 16, 2009 — Sold (MLS) $875,000
- Sep 16, 2009 — Sold (Public Records) $875,000
- May 31, 2009 — Listed $899,000
Description
Live the life you imagined in this spectacular two-story residence at 200 Brannan St Lofts. This distinctive condominium features two fully enclosed bedrooms, two bathrooms, a separate media room/office, two garage parking spaces, beautiful wood flooring, exposed concrete architectural details throughout, central heating and air conditioning, in-unit laundry, and more. Building amenities include a 24/7 lobby attendant, package room, well-equipped fitness center, private courtyard garden, and on-site property management. Ideally located just one block west of the Embarcadero waterfront, the residence is within easy reach of Woodlands Gourmet Grocery, Whole Foods, Safeway, Oracle Park, the…