382 Arkansas 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
29% of that payment is not the mortgage. The HOA fee alone is $62,760 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,455.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,250). 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 ($1,046 in 2026), not enough for a trend yet. The listing shows $1,046/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
- In-unit W/D
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $1046/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $1046/mo (full-service high-rise)
Photos
Price history (this unit)
- Nov 6, 2026 — Listed $985,000
- Dec 5, 1997 — Sold (MLS) $376,000
- Dec 5, 1997 — Sold (Public Records) $376,000
- Oct 24, 1997 — Listed $389,000
- Mar 29, 1996 — Sold (MLS) $285,000
- Mar 2, 1996 — Listed $325,000
Description
First time on the market in almost 30 years! This exceptional Penthouse condominium offers wonderful Bay Bridge, Downtown City Skyline and City views. Dramatic architectural details define the residence, including soaring 16-foot vaulted ceilings, double-pane windows, and a skylight that fills the home with natural light. The spacious, open floor plan is thoughtfully designed for modern living, offering seamless flow between living spaces while creating an airy, light-filled ambiance. Generous wall space provides the perfect backdrop for art collectors and design enthusiasts alike. A large walk-out deck extends the living space outdoors, offering stunning city and skyline views, an ideal…