325 Berry St #114
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
24% of that payment is not the mortgage. The HOA fee alone is $70,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,957.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,900). 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 ($1,174 in 2026), not enough for a trend yet. The listing shows $1,174/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 (0.8%/yr)
- Newer build (2007)
⚠️ Cons
- 38% above model fair value
- HOA $1174/mo
- Ground floor
🚩 Red flags
- Very high HOA $1174/mo (full-service high-rise)
Photos
Price history (this unit)
- Dec 13, 2018 — Sold (MLS) $1,602,500
- Dec 13, 2018 — Sold (Public Records) $1,602,500
- Nov 6, 2018 — Price Changed $1,595,000
- Oct 26, 2018 — Listed $1,699,000
- Aug 15, 2008 — Sold (MLS) $987,500
- Jul 2, 2008 — Listed $1,049,900
Description
Welcome to this well-appointed 2-story, WATERFRONT home at Park Terrace in vibrant Mission Bay! Situated on the tree-lined promenade along a water channel with charming houseboats, this home offers generous space and all the comfort of a modern lifestyle. Amazing natural light, open layout, flow, ceiling to floor windows, outdoor patio and balcony are highlights of this home. Two ensuites are located upstairs. Laundry and guest bath are on the main level. This unit has a direct access to secured garage parking with a deeded space on the same level. It comes with a rarely available large storage locker. The amenities and conveniences of Mission Bay are within reach.