501 Beale St Unit 14A
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 $98,880 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $13,054.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($99,990). 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 ($1,399 in 2026), not enough for a trend yet. The listing shows $1,648/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
- In-unit W/D
- Low HOA (1%/yr)
- Newer build (2006)
⚠️ Cons
- 38% above model fair value
- HOA $1648/mo
- Ground floor
🚩 Red flags
- Very high HOA $1648/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 13, 2026 — Listed $1,999,800
- Jun 10, 2009 — Sold (MLS) $1,580,000
- Jun 10, 2009 — Sold (Public Records) $1,580,000
- Jan 15, 2009 — Listed $1,650,000
Description
Rarely available highly coveted Southeastern 'A' floorplan 3-bedroom 2.5-bathroom with a large terrace at the Watermark showcasing panoramic Bay and Bridge views from every room! Open living/ dining with hardwood floors, power shades and access to the terrace. The gourmet kitchen offers Bay and Marina views, granite counter-tops and Subzero/ Thermador appliances. The stunning primary suite has spectacular views, ample custom closets, power shades and a bath accented by Carrara marble floors and counters. There are 2 extra bedrooms and a bath plus an extra half bath for guests. A great parking spot with a large custom storage. 24-hour door person, outdoor heated pool and spa, BBQ Area…