3420 20th St
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
20% of that payment is not the mortgage. The HOA fee alone is $19,800 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $9,121.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($69,750). 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 2026-11-05 — 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 ($330 in 2026), not enough for a trend yet. The listing shows $330/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
- Low HOA (0.3%/yr)
⚠️ Cons
- Older building (1920)
🚩 Red flags
- Listed BELOW its 2021 sale ($1600k) → value eroding
Photos
Price history (this unit)
- Nov 4, 2026 — Listed $1,395,000
- Nov 1, 2021 — Sold (MLS) $1,600,000
- Nov 1, 2021 — Sold (Public Records) $1,600,000
- Sep 22, 2021 — Listed $1,295,000
- Dec 5, 2005 — Sold (MLS) $1,250,000
- Dec 5, 2005 — Sold (MLS) $587,500
Description
Built in 1920, this gracious Victorian condo blends original character with modern upgrades and the space and flexibility that make everyday city living easy. With two bedrooms, two and a half baths, and more than 1,700 square feet, the home offers generous rooms for gathering, working from home, and settling in. The living room is anchored by a bright bay-window alcove, a decorative fireplace mantel, and original pocket doors that open to a spacious bedroom with ample closet space. Down the hall, a completely renovated full bath with shower-over-tub, expansive hallway storage, linen closet, and convenient half bath lead toward the quiet primary bedroom. The primary bedroom has been…