338 Potrero Ave #204
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
28% of that payment is not the mortgage. The HOA fee alone is $61,980 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,639.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,750). 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
2 recorded pointsReconstructed from 7 units of recorded sales at 338 Potrero Ave — 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
- Garage parking
- Low HOA (1.2%/yr)
- Newer build (2016)
⚠️ Cons
- HOA $1033/mo
🚩 Red flags
- Very high HOA $1033/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 10, 2026 — Listed $995,000
- Jun 17, 2024 — Sold (MLS) $875,000
- Jun 17, 2024 — Sold (Public Records) $875,000
- May 20, 2024 — Price Changed $850,000
- May 15, 2024 — Price Changed $996,000
- May 8, 2024 — Listed $998,000
Description
Welcome to Residence 204 at The Rowan, an inviting Condominium where the Mission meets Potrero. Built in 2016, this home features an open-concept layout designed for comfortable everyday living and effortless entertaining. Floor-to-ceiling windows fill the interiors with natural light, while wide-plank wood floors add warmth and sophistication throughout. The contemporary-inspired chef's kitchen is appointed with high-end appliances, Carrara marble top island, and a clean sophisticated design. An in-unit washer & dryer add everyday convenience. The living room opens directly to a private balcony, creating an ideal spot for morning coffee, enjoying fresh air, or unwinding at the end of the…