300 Berry St #408
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
25% of that payment is not the mortgage. The HOA fee alone is $52,860 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,964.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,750). 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 ($809 in 2026), not enough for a trend yet. The listing shows $881/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
- Upper floor (fl 4)
- In-unit W/D
- Garage parking
- Low HOA (0.9%/yr)
⚠️ Cons
- 22% above model fair value
- HOA $881/mo
🚩 Red flags
- Listed BELOW its 2023 sale ($1239k) → value eroding
Photos
Price history (this unit)
- Oct 2, 2026 — Listed $1,195,000
- Jan 27, 2023 — Sold (MLS) $1,239,000
- Jan 27, 2023 — Sold (Public Records) $1,239,000
- Dec 6, 2022 — Listed $1,239,000
Description
Set within Arterra in the heart of Mission Bay, this bright corner 2BR/2BA condominium offers spectacular Mission Creek views and an exceptional combination of light, space, and convenience. Offering approx. 1,027 sq. ft. per tax records, the home features an open floor plan, expansive floor-to-ceiling windows, a private balcony, newly installed wood flooring throughout the main living areas, in-unit laundry, one-car parking, and dedicated storage. The spacious living and dining area takes full advantage of the corner orientation, with walls of windows framing sweeping Mission Creek and surrounding Mission Bay views while filling the home with natural light. The private balcony provides…