555 Innes Ave #313
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
29% of that payment is not the mortgage. The HOA fee alone is $43,020 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $4,553.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($34,000). 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 ($717 in 2026), not enough for a trend yet. The listing shows $717/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
- 28% below model fair value
- Upper floor (fl 3)
- Garage parking
- Low HOA (1.3%/yr)
⚠️ Cons
- HOA $717/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 3, 2026 — Listed $680,000
- Sep 3, 2026 — Listed $680,000
Description
Stunning 2BR/2BA home offering 1,156 square feet of comfortable living in the San Francisco Shipyard. The thoughtfully designed open floor plan features a gourmet kitchen with stainless steel appliances and a gas range, flowing seamlessly into a bright living area with incredible Bay views. Imagine cooking while taking in the sparkling skyline and beautiful sunsets over the water. The spacious primary suite offers a private retreat with an en-suite bath, while the second bedroom and full bath are situated on the opposite side of the living area, providing privacy for guests or family. A formal dining area offers flexibility as a home office or den. Additional highlights include in-unit…