461 2nd St Unit 332C
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
26% of that payment is not the mortgage. The HOA fee alone is $82,080 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $11,275.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($84,750). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($819 in 2026), not enough for a trend yet. The listing shows $1,368/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 3)
- In-unit W/D
- Garage parking
- Low HOA (1%/yr)
⚠️ Cons
- 15% above model fair value
- HOA $1368/mo
- Older building (1907)
🚩 Red flags
- Very high HOA $1368/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 7, 2026 — Listed $1,695,000
- Sep 11, 2007 — Sold (Public Records) $1,147,000
- Jun 9, 2006 — Sold (Public Records) $1,080,000
Description
Welcome to the Crown Jewel of the ClockTower Lofts! Formerly the original model residence of the iconic ClockTower Building, this stunning top-floor brick-and-timber loft is ideally positioned on a quiet interior corner overlooking two lush tropical courtyards, has windows on three sides and is filled with exceptional natural light. The expansive and thoughtfully designed floor plan features two distinct sleeping areas, spacious living and dining spaces, an upgraded kitchen, and two full bathrooms. Rich architectural details including exposed brick walls, dramatic timber beams, soaring peaked ceilings, and custom sliding barn doors create a truly one-of-a-kind loft experience. Additional…