2829 25th St #4
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
20% of that payment is not the mortgage. The HOA fee alone is $40,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $16,526.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($124,400). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($680 in 2026), not enough for a trend yet. The listing shows $680/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
- In-unit W/D
- Garage parking
- Low HOA (0.3%/yr)
⚠️ Cons
- 40% above model fair value
- HOA $680/mo
- Older building (1900)
🚩 Red flags
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $2,488,000
- Mar 7, 2022 — Sold (MLS) $2,449,500
- Mar 7, 2022 — Sold (Public Records) $2,449,500
- Jan 19, 2022 — Listed $2,495,000
Description
stunning penthouse condominium pairs sweeping views with exceptional private outdoor living, including expansive rooftop decks with a BBQ area and hot tub. The open floor plan features three en suite bedrooms, a powder room, a dedicated office, and abundant deck space throughout. A beautifully appointed chef's kitchen anchors the home with custom walnut cabinetry, Belgian countertops, Fisher & Paykel appliances, and an inviting island with dual waterfall edges. Each bedroom includes a custom Elfa closet system, while the striking bathrooms showcase Porcelanosa tile, custom cabinetry, and refined high-end finishes. The primary bath offers a spa-like retreat with a generous soaking tub and…