612 Missouri St Unit B
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
21% of that payment is not the mortgage. The HOA fee alone is $45,000 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $13,262.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($99,750). 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 2026-10-08 — 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 ($750 in 2026), not enough for a trend yet. The listing shows $750/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
- Garage parking
- Low HOA (0.5%/yr)
⚠️ Cons
- HOA $750/mo
🚩 Red flags
Photos
Price history (this unit)
- Sep 5, 2026 — Listed $2,195,000
- May 23, 2019 — Sold (MLS) $1,950,000
- May 23, 2019 — Sold (Public Records) $1,950,000
- Apr 5, 2019 — Price Changed $2,250,000
- Mar 8, 2019 — Listed $2,399,000
- Mar 13, 2008 — Sold (MLS) $1,100,000
Description
This stunning two-level penthouse in Potrero Hill pairs sophisticated modern living with sweeping panoramic views of San Francisco Bay. Offering four spacious bedrooms and three-and-a-half beautifully remodeled bathrooms, the residence is defined by soaring ceilings, abundant natural light, and contemporary finishes throughout. The expansive open living and dining areas are framed by dramatic windows showcasing the Bay, while a corner fireplace adds warmth and a sun-filled balcony creates an inviting extension of the living space. The generously sized kitchen, appointed with stainless steel appliances and ample new quartz counters and storage space, is ideal for both everyday living and…