338 Potrero Ave #309
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
29% of that payment is not the mortgage. The HOA fee alone is $55,200 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,672.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,450). 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
- Upper floor (fl 3)
- Low HOA (1.3%/yr)
- Newer build (2016)
⚠️ Cons
- HOA $920/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $849,000
Description
Modern architecture meets effortless city living at Rowan. This stylish 2-bedroom, 2-bath condominium features dramatic floor-to-ceiling windows, an open and airy floor plan, and a sophisticated industrial aesthetic. Exposed concrete details are balanced by warm hardwood flooring, sleek Italian cabinetry, Bertazzoni appliances, and thoughtfully designed interiors. Designed by Handel Architects, Rowan is a striking nine-story building known for its distinctive architecture and contemporary design. Building amenities include a 3,250-square-foot rooftop terrace with sweeping city views, BBQ area and fire pit, landscaped courtyard and zen garden, attended lobby, secure parking, storage, and…