245 5th St #303
This unit is far outside the size range we have sold comps for, so the valuation model would be extrapolating rather than comparing. We would rather show nothing than a confident-looking number built on a guess.
💵What this unit actually costs per month
22% of that payment is not the mortgage. The HOA fee alone is $139,080 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $32,532.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($249,750). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($804 in 2026), not enough for a trend yet. The listing shows $2,318/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 3)
- Low HOA (0.6%/yr)
⚠️ Cons
- 25% above model fair value
- HOA $2318/mo
- Photos look dim — verify light in person
🚩 Red flags
- Back on market — this unit was off the market and was relisted Nov 2
- Very high HOA $2318/mo (full-service high-rise)
Photos
Price history (this unit)
- Nov 2, 2026 — Listed $4,995,000
- Dec 28, 2012 — Sold (Public Records) $800,000
- May 27, 2008 — Sold (Public Records) $3,050,000
- Sep 20, 2005 — Sold (Public Records) $2,900,000
Description
One of SoMa's most significant loft residences has just come on the market. This extraordinary penthouse combines three condominiums(#301-#303) into one expansive space featuring four bedrooms, three and a half bathrooms, and two private roof decks. The grand living area showcases soaring 19-foot ceilings and more than 100 linear feet of industrial-sized windows. A large fireplace anchors the living room, while an adjacent family room that offers space to unwind. The dining area comfortably being shown as a 10-person table, has dining space to accommodate seating for up to 20. A generous office, radiant heating throughout, and custom features add comfort and functionality. Recessed speakers…