301 Mission St Unit 3A
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
34% 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 $10,977.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($82,500). 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 · +4.9%/yrReconstructed from 29 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 29 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
- Garage parking
- Newer build (2009)
⚠️ Cons
- 20% above model fair value
- HOA $2850/mo
- Ground floor
🚩 Red flags
- Very high HOA $2850/mo (full-service high-rise)
- Listed BELOW its 2015 sale ($1840k) → value eroding
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $1,650,000
- Oct 1, 2026 — Listed $1,650,000
- Aug 28, 2015 — Sold (Public Records) $1,840,000
Description
Experience refined city living at Millennium Tower Residence 3A, a sophisticated 2-bedroom, 2-bathroom condominium featuring soaring ceilings, an open and inviting floor plan, and dynamic outlooks across San Franciscos urban landscape. Thoughtfully upgraded and designed with an emphasis on comfort and understated luxury, the residence offers a seamless backdrop for both everyday living and entertaining. Originally selected as a developer showcase residence, the home stands out for its desirable layout, generous proportions, and distinctive city views. Located within Millennium Tower, one of San Franciscos premier full-service residential buildings, residents enjoy an exceptional suite of…