229 Brannan St Unit 18E
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
28% of that payment is not the mortgage. The HOA fee alone is $106,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,308.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($85,000). 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 ($1,751 in 2026), not enough for a trend yet. The listing shows $1,780/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
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- 64% above model fair value
- HOA $1780/mo
- Ground floor
🚩 Red flags
- Very high HOA $1780/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 4, 2026 — Listed $1,700,000
- Jul 11, 2025 — Rental Removed $7,250
- Jul 3, 2025 — Price Changed $7,250
- Jun 25, 2025 — Price Changed $7,500
- Jun 12, 2025 — Price Changed $8,000
- Jun 8, 2025 — Listed for Rent $8,500
Description
Top-floor penthouse at The Brannan with sparkling Bay views and a private terrace. This beautifully appointed two-bedroom, two-bath condominium features a bright, open living and dining area framed by dramatic water and city views, with direct access to the private terrace and a sleek, well-equipped kitchen. The primary suite offers built-in shelving, a spacious ensuite bath, and terrace access, while the guest bedroom features a Murphy bed for flexibility. Additional amenities include a second full bath, in-unit laundry, central air conditioning, two secure parking spaces, and storage. Expansive outlooks take in South Beach Harbor, the Embarcadero, Twin Peaks, and beyond. The Brannan is…