338 Potrero Ave #806
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 $50,640 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,215.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($39,000). 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 2026-10-08 — 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 8)
- In-unit W/D
- Low HOA (1.3%/yr)
- Newer build (2016)
⚠️ Cons
- 19% above model fair value
- HOA $844/mo
- Photos look dim — verify light in person
🚩 Red flags
- Listed BELOW its 2016 sale ($949k) → value eroding
Photos
Price history (this unit)
- Sep 24, 2026 — Listed $780,000
- Dec 16, 2016 — Sold (Public Records) $949,000
Description
Perched where the Mission meets Potrero Hill, Residence 806 at The Rowan offers elevated modern living paired with panoramic vistas of San Francisco Bay, the Bay Bridge, and the downtown skyline. Inside, exposed concrete ceilings and floor-to-ceiling windows flood the bright 1 bedroom, 1 bathroom plus den layout with natural light. The open living area seamlessly transitions to a Juliet balcony, perfect for taking in the city lights. Chef inspired finishes highlight the interior, including custom Domus cabinetry, a gourmet Bertazzoni gas range, and central air conditioning and heat for year round comfort. Just one level above, an expansive rooftop terrace serves as an urban sanctuary…