219 Brannan St Unit 5H
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
33% of that payment is not the mortgage. The HOA fee alone is $102,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,196.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($53,950). 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
2 recorded pointsReconstructed from 5 units of recorded sales at 219 Brannan 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
- On market 66 days → some leverage
- In-unit W/D
⚠️ Cons
- 34% above model fair value
- HOA $1704/mo
- Ground floor
🚩 Red flags
- Very high HOA $1704/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 6, 2026 — Listed $1,079,000
- May 21, 2019 — Sold (MLS) $1,080,000
- May 21, 2019 — Sold (Public Records) $1,080,000
- May 2, 2019 — Listed $1,050,000
- Aug 25, 2000 — Sold (Public Records) $474,000
Description
Water Views and Outdoor Space in South Beach! Luxurious 1 bedroom, 1.5 bath with views of the Bay and Oracle Park! Enjoy a deck off the living room, wide plank hardwood floors, new paint and a large walk-in closet with built-ins. In-unit washer/dryer, 1-car parking and additional storage complete this home. The Brannan is one of the premier lifestyle residences in SF. The Brannan comprises 3 luxury towers at 219, 229 and 239 Brannan St in the South Beach district of SF. HOA amenities include a 24-hour Lobby attendant, concierge services, a common heated outdoor pool, hot tub, barbecue cabana, and a gym. The common areas were designed by world-renowned French Interior Designer Christian…