220 Lombard St #618
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
32% of that payment is not the mortgage. The HOA fee alone is $57,540 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,348.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($32,450). 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 ($1,003 in 2026), not enough for a trend yet. The listing shows $959/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
- Upper floor (fl 6)
- Garage parking
⚠️ Cons
- HOA $959/mo
🚩 Red flags
- Listed BELOW its 2015 sale ($678k) → value eroding
Photos
Price history (this unit)
- Sep 6, 2026 — Listed $649,000
- Sep 1, 2015 — Sold (MLS) $677,800
- Sep 1, 2015 — Sold (Public Records) $678,000
- Aug 7, 2015 — Listed $595,000
- Dec 14, 2001 — Sold (MLS) $338,000
- Dec 14, 2001 — Sold (Public Records) $338,000
Description
Watch the ships come in! Wonderfully bright and spacious home in a great elevator building with 24-hour lobby desk. Open floor plan is well designed for light and views. There are 8 condos on this floor with convenient no fee laundry room and two elevators. Internal access garage parking is assigned with security gates, fobs and additional storage. Stop in at the gym, then stroll the waterfront's walking paths, shops and restaurants.