301 Mission St Unit 16A
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
37% of that payment is not the mortgage. The HOA fee alone is $171,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $8,946.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($68,400). 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 2026-11-05 — 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 · +4.9%/yrReconstructed from 31 units of recorded sales at 301 Mission St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +4.9%/yr over 3 years across 31 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
- 13% below model fair value
- Newer build (2009)
⚠️ Cons
- HOA $2850/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $2850/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 8, 2026 — Listed $1,368,000
Description
Residence 16A at Millennium Tower offers an exceptional blend of sophisticated design, high-end finishes, and effortless city living in the heart of San Francisco. Spanning 1,479 square feet (per tax records), this spacious two-bedroom, two-bathroom high-rise corner home features a fluid, open-concept floor plan designed to maximize natural light and highlight dramatic downtown perspectives. At the center of the residence is an expansive great room encompassing the living and dining areas, framed by select floor-to-ceiling windows fitted with custom window coverings. Rich hardwood flooring flows throughout the main living areas, complementing the freshly painted interior. The open chef's…