333 Beale 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
31% of that payment is not the mortgage. The HOA fee alone is $78,240 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,328.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($47,400). 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 2026-10-08 — 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 ($1,348 in 2026), not enough for a trend yet. The listing shows $1,304/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
- Garage parking
- Newer build (2015)
⚠️ Cons
- 54% above model fair value
- HOA $1304/mo
- Ground floor
🚩 Red flags
- Very high HOA $1304/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $948,000
- Oct 1, 2026 — Listed $948,000
- Oct 22, 2019 — Sold (MLS) $865,000
- Oct 22, 2019 — Sold (MLS) $865,000
- Oct 22, 2019 — Sold (Public Records) $865,000
- Sep 18, 2019 — Listed $860,000
Description
Welcome to this one-of-a-kind 1-bedroom, 1-bath residence at LUMINA, featuring a rare expansive private courtyard patioa peaceful outdoor retreat in the heart of San Francisco. This thoughtfully designed home offers a wonderful balance of comfort and tranquility, with a lush courtyard setting that extends the living space outdoors. The contemporary interior features a full-size European-style kitchen with premium appliances and finishes, central heating and air conditioning, and in-unit laundry. LUMINA offers an exceptional resort-style lifestyle with an indoor lap pool, state-of-the-art fitness center, climbing wall, spa, sauna and steam rooms, residents lounges, private dining and…