201 Folsom St Unit 21F
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 $89,640 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $12,340.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($94,500). 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
2 recorded pointsReconstructed from 14 units of recorded sales at 201 Folsom 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
- Low HOA (0.9%/yr)
- Newer build (2016)
⚠️ Cons
- 44% above model fair value
- HOA $1494/mo
🚩 Red flags
- Very high HOA $1494/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Experience elevated luxury living at The Lumina in this stunning south-facing 2-bedroom, 2-bathroom residence, showcasing tranquil water views from every room. Bathed in natural light, this home features a thoughtfully designed split-bedroom floor plan that perfectly balances privacy, comfort, and modern elegance. The gourmet kitchen features Caesarstone quartz countertops, sleek SieMatic cabinetry, and premium Gaggenau appliances. Additional highlights include an in-unit Bosch washer and dryer, custom closets, and sophisticated finishes throughout. The spacious primary suite offers beautiful water views, an upgraded walk-in closet, and a luxurious en-suite bathroom with dual vanities and a…