25 Sierra St Unit W501
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 $67,920 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,488.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($87,950). 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 25 Sierra 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 (0.8%/yr)
- Newer build (2006)
⚠️ Cons
- HOA $1132/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1132/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 30, 2026 — Listed $1,759,000
Description
Tremendous top floor three bedroom, two and a half bath corner flat with captivating views, contemporary finishes and located on the border of two cherished neighborhoods: Potrero Hill and Dogpatch. The flat opens to an impressive open living/dining area with direct access to the private deck, a wall of windows with cascading natural light brandishing breath-taking views of the Bay and beyond, gorgeous wood floors, a conveniently located half-bath, and an updated gourmet kitchen with new appliances also benefiting from the views. There are three spacious bedrooms on one level along with a laundry closet and a full bathroom. The master bedroom with walk-in closet and en suite bathroom, and…