250 King St #1112
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
31% of that payment is not the mortgage. The HOA fee alone is $63,780 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,407.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($40,450). 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
🚩 Rising fast · +6.5%/yrReconstructed from 12 units of recorded sales at 250 King St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 21% in 3 years — about +6.5%/yr across 12 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 11)
⚠️ Cons
- HOA $1063/mo
🚩 Red flags
- Very high HOA $1063/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Perched high above Mission Bay, this freshly updated one-bedroom home features a spacious floor plan and beautifully framed views of the Bay, Oracle Park, and the surrounding skyline. The open kitchen offers stainless steel appliances, sleek cabinetry, and an oversized countertop that flows naturally into the living and dining areas. Dark wood flooring and tiled accents at the entry give the space a polished, sophisticated feel, while the layout is comfortable and functional for both everyday living and entertaining. The spacious bedroom enjoys its own water views and a walk-in closet with built-in organizers. The bathroom features built-in cabinetry, while a separate laundry area adds…