260 King St #909
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
30% of that payment is not the mortgage. The HOA fee alone is $62,760 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,566.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($41,644). 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
✅ Fairly steady · +2.4%/yrReconstructed from 11 units of recorded sales at 260 King St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +2.4%/yr over 2 years across 11 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 9)
- In-unit W/D
- HOA steady in this building (~2.4%/yr over 2yr)
⚠️ Cons
- HOA $1046/mo
🚩 Red flags
- Very high HOA $1046/mo (full-service high-rise)
- Listed BELOW its 2018 sale ($858k) → value eroding
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $832,888
- Mar 28, 2018 — Sold (MLS) $858,000
- Mar 28, 2018 — Sold (Public Records) $858,000
- Mar 14, 2018 — Listed $850,000
- May 27, 2005 — Sold (Public Records) $585,000
Description
Enjoy sweeping San Francisco skyline views and convenient Mission Bay living from this bright and updated 1-bedroom, 1-bathroom residence at The Beacon. Unit 909 offers approximately 823 sq. ft. of comfortable living space with oversized windows framing views from Twin Peaks to the Bay Bridge. Features include wide-plank hardwood floors, fresh interior paint, modern lighting, granite countertops, stainless steel appliances, a spacious walk-in closet, oversized bathroom, in-unit washer and dryer, remote- and app-controlled shades with blackout shades in the bedroom, and a Ring video doorbell. A leased parking space for an additional fee is included in the covered, gated garage near the…