338 Main St Unit 31D
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
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,750). 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 ($1,764 in 2026), not enough for a trend yet. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- Upper floor (fl 3)
- Newer build (2016)
⚠️ Cons
- 70% above model fair value
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
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Description
Beautiful, modern, and bright 1-bedroom + den located on the 31st floor offers stunning Twin Peaks and city views, a spacious living and dining room, plus a den. The fully equipped open kitchen has granite countertops, a kitchen island, high-end Gaggenau appliances, and plenty of cabinet space. The large den is perfect for a home office. XL bathroom has a double-sink vanity, a walk-in shower + soaking tub, Italian porcelain tile & Volakas marble. Hardwood floors throughout the unit, high ceilings, W/ D in the unit, and much more. Designed by Bernardo Fort-Brescia of Arquitectonica, LUMINA offers residents world-class amenities such as a full-length saline lap pool, a 7,000 sq. ft.…