690 Market St #2402
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
26% of that payment is not the mortgage. The HOA fee alone is $293,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $39,453.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($297,500). 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 2026-10-08 — 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 $4,890/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
- Upper floor (fl 24)
- Low HOA (1%/yr)
- Newer build (2007)
⚠️ Cons
- 163% above model fair value
- HOA $4890/mo
🚩 Red flags
- Very high HOA $4890/mo (full-service high-rise)
Photos
Price history (this unit)
- Sep 17, 2026 — Listed $5,950,000
- May 29, 2024 — Rental Removed $22,000
- Apr 23, 2024 — Price Changed $22,000
- Apr 16, 2024 — Listed for Rent $25,000
- Apr 26, 2018 — Sold (MLS) $5,950,000
- Apr 26, 2018 — Sold (Public Records) $5,950,000
Description
Atop the Ritz-Carlton Residences, this rare two-story custom Penthouse delivers 180-degree views spanning sunrise to sunset over San Francisco and the Bay. Nearly two years in design and build under award-winning Joel Sanders Architects (NYC), the approx. 3,030 sq ft (per graphic artist) residence opens to a double-height, double-width Living Room with fireplace and custom built-ins. The Gourmet Kitchen and adjacent Dining Area take in Bay and Mid-Market views, with a Pantry, Wet Bar and Powder Bath completing the entertaining level. A floating walnut-and-glass staircase rises to the Bedroom Level, where the Primary Suite's spa Bath features lava stone floors, a view shower and a glass…