310 Carolina St #207
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
22% of that payment is not the mortgage. The HOA fee alone is $44,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,423.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($87,450). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($711 in 2026), not enough for a trend yet. The listing shows $740/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
- Low HOA (0.5%/yr)
- Newer build (2015)
⚠️ Cons
- 48% above model fair value
- HOA $740/mo
🚩 Red flags
Photos
Price history (this unit)
- Oct 24, 2026 — Listed $1,749,000
- Nov 1, 2022 — Sold (MLS) $1,490,000
- Nov 1, 2022 — Sold (Public Records) $1,490,000
- Sep 22, 2022 — Listed $1,495,000
Description
Discover elevated urban living at Onyx on the Park, where sophisticated design, modern luxury, and an exceptional Potrero Hill location converge. Residence 207 is a beautifully appointed 2-bedroom, 2-bath home offering San Francisco skyline views, abundant natural light, and thoughtfully curated upgrades throughout. An expansive open-concept layout creates an effortless flow between living, dining, and entertaining spaces, complemented by newer hardwood flooring, designer recessed lighting, and custom window coverings and screens. Privately situated at the eastern end of the residence, the serene primary suite captures picturesque city views and features automated shades, a generously sized…