555 4th St #549
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 $41,040 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,797.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($36,500). 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 5)
- In-unit W/D
- Low HOA (1.1%/yr)
- Newer build (2005)
⚠️ Cons
- 17% above model fair value
- HOA $684/mo
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Oct 16, 2026 — Listed $730,000
Description
Welcome to The Palms at South Beach in District 9. Conveniently located off the Bay Bridge and HWY 80. The Palms offers a splendid collection of amenities and an urban city-by-the-bay lifestyle. It includes a highly desired 24-hour security and concierge service. Skip the gym fees and enjoy an on-site fitness center. Like the movies, how about a private 20-seat theater? You can stretch your stress away with a yoga studio. You can take care of buisness in the business center and community lounge. Location, location, location: It is near the major sports arena, Oracle Park, and just a short ride to Chase Center and Moscone Center. It offers urban amenities and community events, including…