229 Brannan St Unit 5G
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
34% of that payment is not the mortgage. The HOA fee alone is $103,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,659.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,900). 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 $1,724/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
- BART walkable (0.8 mi)
⚠️ Cons
- 18% above model fair value
- HOA $1724/mo
- Ground floor
🚩 Red flags
- Very high HOA $1724/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 11, 2026 — Listed $998,000
- Mar 19, 2010 — Sold (MLS) $630,000
- Mar 19, 2010 — Sold (Public Records) $630,000
- Jan 28, 2010 — Listed $685,000
- Jun 2, 2003 — Sold (MLS) $559,000
- Jun 2, 2003 — Sold (Public Records) $559,000
Description
Experience elevated urban living at The Brannan, one of South Beach's premier full-service residential communities. This light-filled 1-bedroom, 1.5-bath residence overlooks the serene pool and beautifully landscaped courtyard, offering a peaceful retreat in the heart of the city. The thoughtfully designed interior features a gourmet kitchen that flows seamlessly into an expansive living and dining space, ideal for both everyday living and entertaining. The generous primary suite offers custom-designed closets and opens to a private deck, creating a tranquil extension of the living space. Additional highlights include, hardwood floors in living room, new carpet in bedroom, new paint…