338 Main St Unit 26C
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 $91,860 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $21,509.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($165,000). 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
2 recorded pointsReconstructed from 13 units of recorded sales at 338 Main St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- In-unit W/D
- Low HOA (0.6%/yr)
- Newer build (2016)
⚠️ Cons
- 105% above model fair value
- HOA $1531/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1531/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 11, 2026 — Listed $3,500,000
- Aug 15, 2024 — Sold (MLS) $2,400,000
- Aug 15, 2024 — Sold (Public Records) $2,400,000
- Jul 12, 2024 — Price Changed $2,448,000
- Jun 29, 2024 — Price Changed $2,500,000
- Jun 19, 2024 — Price Changed $2,600,000
Description
Experience elevated San Francisco living in this sophisticated 2-bedroom, 2-bathroom residence spanning approximately 1,496 square feet on the 26th floor of Lumina at 338 Main Street. Floor-to-ceiling windows frame dramatic views of the Bay Bridge, water, and city skyline, flooding the open-concept living and dining areas with natural light. The chef's kitchen features premium finishes including high-end Gaggenau appliances, Caesarstone quartz countertops, and custom cabinetry, flowing seamlessly into the living space ideal for both everyday living and entertaining. The primary suite offers a spacious walk-in closet and spa-inspired en-suite bath, while the second bedroom provides flexible…