250 King St #1210
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 $62,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,341.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,950). 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 2026-10-08 — 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
- On market 50 days → some leverage
- Upper floor (fl 12)
- In-unit W/D
- Garage parking
⚠️ Cons
- HOA $1040/mo
🚩 Red flags
- Very high HOA $1040/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 22, 2026 — Listed $850,000
- Aug 22, 2026 — Listed $850,000
Description
Enjoy city living with spectacular, unobstructed views of the city through wall-to-wall windows, and think about the daytime views the night can bring, offering an entirely new perspective. This is luxury high-rise living with world-class amenities. A large one-bedroom with updated modern finishes, new flooring, new kitchen appliances, & bath R light. In-unit W & D, utility closet in the bath R, a walk-in closet in the bed R & 2 closets in the hallway. Secured 1-car parking & earthquake INS. Finest location in Mission Bay for comfort lifestyle! Steps away from grocery stores, coffee shops, restaurants, Caltrain, Muni & buses. Easy commute to tech companies, near freeways & BART. Short walk…