425 1st St #2007
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
31% of that payment is not the mortgage. The HOA fee alone is $93,420 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,756.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($59,250). 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 ($1,557 in 2026), not enough for a trend yet. The listing shows $1,557/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 20)
- Newer build (2008)
⚠️ Cons
- 42% above model fair value
- HOA $1557/mo
🚩 Red flags
- Very high HOA $1557/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Discover the Urban Dweller's Dream Home at One Rincon Hill. Unit #2007 stands out as the most coveted North East Corner (07 Floor Plan) one-bedroom, one-bathroom unit in the building. Situated on the 20th floor, this residence features insulated dual corner glass windows that offer breathtaking panoramic views of both the Downtown City skyline and Bay Bridge. Elegance and style define this highly upgraded condominium, which boasts an added balcony, breakfast bar, bamboo floors, custom lighting, and an open floor plan designed for entertaining and modern living. Interior conveniences include an in-unit washer and dryer. Enjoy an array of full-service amenities such as valet parking, a…