350 Alabama St #5
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 $58,980 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($983 in 2026), not enough for a trend yet. The listing shows $983/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 (1.2%/yr)
⚠️ Cons
- HOA $983/mo
- Ground floor
🚩 Red flags
- Listed BELOW its 2021 sale ($1150k) → value eroding
Photos
Price history (this unit)
- Oct 9, 2026 — Listed $995,000
- Nov 22, 2021 — Sold (MLS) $1,150,000
- Nov 22, 2021 — Sold (Public Records) $1,150,000
- Sep 23, 2021 — Listed $1,195,000
- Mar 20, 2015 — Sold (MLS) $1,110,000
- Mar 20, 2015 — Sold (Public Records) $1,110,000
Description
Dramatic scale, flexible living spaces, and a fully enclosed bedroom distinguish this spacious Inner Mission loft at 350 Alabama Street #5. Offering almost 1,300 square feet of grand loft living, the two-level home pairs soaring ceilings and expansive windows with beautiful hardwood floors and two private terraces. A welcoming foyer with an entry closet opens to the main living level, where a generous great room and adjacent dining area create an inviting setting for entertaining, with room for an additional workspace. The beautifully appointed kitchen features a Viking gas range, Viking French-door refrigerator with bottom freezer drawer, abundant cabinetry, and natural stone countertops…