401 Harrison St Unit 23A
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
32% of that payment is not the mortgage. The HOA fee alone is $107,160 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,964.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,750). 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
✅ Fairly steady · +5.3%/yrReconstructed from 12 units of recorded sales at 401 Harrison St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues have held relatively steady (about +5.3%/yr over 3 years across 12 units) — a good sign. Only the reserve study confirms the building is keeping up with its big-ticket repairs.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Newer build (2014)
⚠️ Cons
- 48% above model fair value
- HOA $1786/mo
🚩 Red flags
- Very high HOA $1786/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 29, 2026 — Listed $1,195,000
- Nov 28, 2018 — Sold (Public Records) $1,096,100
Description
Experience elevated high-rise living at The Harrison in this refined 1-bed, 1 bath residence. The condo enjoys an open, light filled layout with floor to ceiling windows framing sunset and city views towards downtown, Clocktower and Twin Peaks. Full service luxury 24 hour doorman and concierge, valet parking, a professionally equipped fitness center with steam rooms, heated outdoor lop pool and spa on a landscaped garden deck, BBQ terrace, wine storage, and the exclusive 49th floor sky lounge, Uncle Harry's with panoramic Bay and city views. Prime South Beach location near the Embarcadero and downtown.