2200 Sacramento St #207
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
24% of that payment is not the mortgage. The HOA fee alone is $67,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,723.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,750). 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 4 units of recorded sales at 2200 Sacramento 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
- In-unit W/D
- Garage parking
- Low HOA (0.7%/yr)
⚠️ Cons
- 48% above model fair value
- HOA $1120/mo
- Older building (1964)
🚩 Red flags
- Very high HOA $1120/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 13, 2026 — Listed $1,795,000
- Oct 13, 1999 — Sold (Public Records) $450,000
Description
This stunning, remodeled southeast corner 2BD/2BA unit offers exceptional views of Lafayette Park and beyond in a prestigious 24-hour doorman building, located near Upper Fillmore Street boutiques and restaurants. Living room with floor-to-ceiling windows, natural light, hardwood floors - Remodeled open-concept kitchen. Primary bedroom with en-suite bathroom. Second bedroom and additional full bathroom, In-unit washer/dryer extra storage space and deeded parking. Building amenities include a gym, a clubroom with panoramic views, 24-hour doorman, earthquake insurance, and both on-site and off-site management.