451 Kansas St #431
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
25% of that payment is not the mortgage. The HOA fee alone is $48,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $7,659.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($57,450). 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
2 recorded pointsReconstructed from 6 units of recorded sales at 451 Kansas St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Upper floor (fl 4)
- Low HOA (0.8%/yr)
- Newer build (2007)
⚠️ Cons
- 27% above model fair value
- HOA $800/mo
🚩 Red flags
- Listed BELOW its 2019 sale ($1200k) → value eroding
Photos
Price history (this unit)
- Oct 1, 2026 — Listed $1,149,000
- Dec 30, 2019 — Sold (Public Records) $1,200,000
Description
Welcome to a sophisticated and thoughtfully designed 2BD/2BA residence at The Potrero, offering effortless city living with a wonderful blend of indoor and outdoor space. A rare private patio spans the width of the home, creating an inviting extension of the living space near the building's beautifully landscaped courtyard. The open-concept layout is ideal for both everyday living and entertaining, with well-appointed finishes throughout. The contemporary kitchen features stainless steel appliances and a walk-in pantry and flows effortlessly into the living and dining areas. Additional highlights include new flooring and paint, an in-unit washer and dryer, spacious closet space, two…