425 1st St #1008
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
33% of that payment is not the mortgage. The HOA fee alone is $93,780 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $6,659.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($49,900). 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 ($1,557 in 2026), not enough for a trend yet. The listing shows $1,563/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
- Upper floor (fl 10)
⚠️ Cons
- 33% above model fair value
- HOA $1563/mo
🚩 Red flags
- Very high HOA $1563/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Views Above All at One Rincon Hill! Unit #1008 is the most coveted North East Corner (08 Floor Plan) one-bedroom, one-bath condo in the building. Perched on the 10th floor, this home features insulated glass windows that showcase stunning, panoramic views of the downtown skyline and the Bay Bridge. This highly upgraded condominium exudes style and sophistication, offering a spacious balcony, hardwood floors, custom lighting, a glass shower door, and an open floor plan perfect for entertaining. The kitchen is a standout for culinary enthusiasts, fully equipped with premium Bosch and Sub-Zero appliances that blend seamlessly into the sleek design. Whether you're hosting a dinner party against…