360 10th St #3
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
25% of that payment is not the mortgage. The HOA fee alone is $45,900 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,335.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($55,000). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($765 in 2026), not enough for a trend yet. The listing shows $765/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 (0.8%/yr)
⚠️ Cons
- HOA $765/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
- Live/work loft — workspace-heavy sqft and a thinner buyer pool inflate the apparent discount vs regular condo comps
Photos
Price history (this unit)
- Sep 16, 2026 — Listed $1,100,000
- Nov 17, 2024 — Rental Removed $3,500
- Oct 27, 2024 — Listed for Rent $3,500
- Jun 23, 2015 — Sold (MLS) $950,000
- Jun 23, 2015 — Sold (Public Records) $950,000
- Apr 20, 2015 — Listed $895,000
Description
Discover urban loft living in the heart of SOMA. Offering approximately 1,359 sq. ft. , this spacious 1-bedroom, 2-bath live/work loft blends industrial character with an open, flexible floor plan. Soaring double-height ceilings, wood floors, and expansive industrial-style windows fill the residence with natural light. The main living area opens to a private terrace, offering an inviting extension of the indoor space. The open-concept living and dining area provides ample room for multiple seating areas and a generous dining space. A gas fireplace, currently for decorative purposes only, adds architectural character. The kitchen features granite countertops, stainless steel appliances, and…