555 4th St #407
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
28% of that payment is not the mortgage. The HOA fee alone is $46,380 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,350.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($40,750). 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 2026-11-05 — 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
2 recorded pointsReconstructed from 13 units of recorded sales at 555 4th 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 (1.1%/yr)
- Newer build (2006)
⚠️ Cons
- 11% above model fair value
- HOA $773/mo
🚩 Red flags
Photos
Price history (this unit)
- Nov 5, 2026 — Listed $815,000
- Jun 23, 2022 — Sold (MLS) $775,000
- Jun 23, 2022 — Sold (Public Records) $775,000
- May 19, 2022 — Price Changed $739,000
- Apr 22, 2022 — Price Changed $759,000
- Mar 9, 2022 — Listed $789,000
Description
All designer furniture and artwork included in the price. This one bedroom is perfectly located for easy access to transportation (across Muni and Caltrain) and groceries (between Safeway, Whole Foods, and Trader Joe's and Costco 6 blocks away). Also near Oracle Park, Bay Bridge, Moscone convention center, Museum of Modern Art (MoMA), AMC theater, and the Embarcadero ocean walkway and Ferry building (famous for its Saturday mornings farmers markets). This bright unit is in a well-maintained condominium building (The Palms) with resident manager and assistant manager onsite all week. Durable Bosch appliances in the kitchen with a new no-handle, 4-door Samsung refrigerator. Modern broad-plank…