435 China Basin St #532
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
27% of that payment is not the mortgage. The HOA fee alone is $83,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $10,441.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($79,900). 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 2026-11-05 — 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 ($1,398 in 2026), not enough for a trend yet. The listing shows $1,398/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 5)
- Low HOA (1%/yr)
- Newer build (2012)
⚠️ Cons
- 13% above model fair value
- HOA $1398/mo
🚩 Red flags
- Very high HOA $1398/mo (full-service high-rise)
Photos
Price history (this unit)
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Description
Residence 532 is the ideal 2 bedroom 2 bathroom, split bedroom layout. New paint, new carpets (10/2026). Peeks of the bay from its wall-to-wall floor-to-ceiling windows. Textured engineered wood flooring in living area. Carpet in bedrooms. Primary suite is extremely spacious with huge walk-in closet. Dual vanity en-suite with modern counter and tile work. Contemporary kitchen finishes, Thermador fridge, Bosch gas stove, dishwasher, Caesarstone counters, central heat & A/C, vented washer/dryer in-unit, parking & additional storage. Resort-like amenities: open air sundeck w heated pool & hot tub, 24hr fitness studio, steam room & sauna, lounge w pool table, theater, Viking BBQs & alfresco…