690 Market St #1404
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 $237,300 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $17,189.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($129,400). 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 ($3,955 in 2026), not enough for a trend yet. The listing shows $3,955/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
- 33% below its 2012 peak
- Upper floor (fl 14)
- In-unit W/D
- Garage parking
⚠️ Cons
- 51% above model fair value
- HOA $3955/mo
- Photos look dim — verify light in person
🚩 Red flags
- Very high HOA $3955/mo (full-service high-rise)
Photos
Price history (this unit)
- Aug 23, 2019 — Sold (Public Records) $2,200,000
- Aug 29, 2014 — Sold (Public Records) $1,900,000
- Dec 27, 2012 — Sold (Public Records) $3,845,500
- Oct 23, 2007 — Sold (Public Records) $2,775,500
Description
Welcome to The Ritz-Carlton Residence #1404,Nestled on the 14th floor of San Francisco's historic original skyscraper. 1404 offers panoramic city views with legendary five-star Ritz Carlton service. the Ritz Carlton Residences were created with a focus on high caliber building quality, evidenced in this thoughtfully designed 3 Bed, 3 full Bath floor plan An open floor plan with upscale kitchen with granite countertops, lAn abundance of large windows welcomes generous natural light, & the open plan Living Area connects to an upscale Chef's Kitchen outfitted in granite & with topline appliances. Both bedrooms are ensuite, & there is an abundance of storage. World class service from the…