338 Spear St Unit 16G
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 $77,460 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,666.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,950). 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 ($1,271 in 2026), not enough for a trend yet. The listing shows $1,291/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
- Garage parking
- Newer build (2009)
⚠️ Cons
- 28% above model fair value
- HOA $1291/mo
- Ground floor
🚩 Red flags
- Very high HOA $1291/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $999,000
- Jun 14, 2022 — Sold (MLS) $981,000
- Jun 14, 2022 — Sold (Public Records) $981,000
- Apr 21, 2022 — Price Changed $999,000
- Mar 18, 2022 — Listed $1,029,000
- Jul 5, 2012 — Sold (MLS) $674,000
Description
Enjoy true urban living in this spacious one bedroom, one bath home at The Infinity. This full service home is finished with Studio Becker cabinetry, hardwood floors, Bosch and Thermador appliances, in-unit washer/dryer and custom lighting. Premium Secure Underground Parking. International Superstar Architect Bernardo Fort-Brescia of Arquitectonica and local powerhouse Heller Manus have created the quintessential living experience along San Francisco's waterfront complete with a full suite of luxury amenities. Amenities include 24 hr doorman, concierge, club room with full catering kitchen, 5000 SF professional quality gym, 75-foot lap pool, sauna, theater room, business center and more.…