52 Kirkwood Ave #412
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
32% of that payment is not the mortgage. The HOA fee alone is $48,060 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,790.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($28,240). 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 ($801 in 2026), not enough for a trend yet. The listing shows $801/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 4)
- Garage parking
- Newer build (2023)
⚠️ Cons
- HOA $801/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 25, 2026 — Listed $564,800
Description
Special Developer Financing for qualified buyers 30-Year Fixed 5.125% or 7/6 ARM 4.625%. Limited-time opportunity! Discover contemporary waterfront living in one of the final new-construction opportunities available in this vibrant San Francisco community. Thoughtfully designed for modern living, this single-level one-bedroom residence combines an efficient floor plan, abundant natural light, high ceilings, and stylish finishes to create a home that feels open and inviting. At the heart of the residence is a beautifully appointed kitchen featuring quartz countertops, modern cabinetry, and a complete GE stainless steel appliance package, including gas range, microwave, refrigerator, and…