338 Main St Unit D20H
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
30% of that payment is not the mortgage. The HOA fee alone is $81,180 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,301.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($54,750). 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. The listing shows $1,353/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
- Newer build (2016)
⚠️ Cons
- 35% above model fair value
- HOA $1353/mo
🚩 Red flags
- Very high HOA $1353/mo (full-service high-rise)
- Listed BELOW its 2018 sale ($1198k) → value eroding
Photos
Price history (this unit)
- Oct 7, 2026 — Listed $1,095,000
- Sep 18, 2018 — Sold (MLS) $1,198,000
- May 30, 2018 — Listed $1,250,000
Description
Elevated San Francisco living awaits at LUMINA. Coveted 20th-floor 1BR/1BA residence offers 854 sq. ft. of sophisticated contemporary living with captivating downtown skyline views. Open, light-filled floor plan features a sleek chef-inspired kitchen with premium appliances and island, spacious living and dining areas, floor-to-ceiling windows, comfortable bedroom, beautifully appointed bath and in-unit laundry. LUMINA offers an exceptional full-service lifestyle with 24-hour concierge, valet parking, fitness center, heated lap pool, spa, private cinema, club lounge, landscaped outdoor spaces and rooftop terrace. Ideally located in South Beach near the Embarcadero, Ferry Building, Oracle…