690 Market St #905
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
37% 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 $11,937.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($89,750). 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 ($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
- On market 69 days → some leverage
- Upper floor (fl 9)
- Newer build (2007)
⚠️ Cons
- 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)
- Jul 1, 2026 — Listed $1,795,000
- Aug 31, 2018 — Sold (MLS) $1,748,000
- Aug 31, 2018 — Sold (Public Records) $1,748,000
- May 11, 2018 — Listed $1,748,000
Description
The best cities in the world aren't experienced from the sidelines, they're lived from within. Residence 905 at The Ritz-Carlton Residences is immersed in the rhythm, energy, and sophistication of Downtown San Francisco. Expansive wall-to-wall windows frame an ever-changing panorama of Downtown skyscrapers, the iconic Palace Hotel sign, Maiden Lane, Union Square, and the architectural landmarks of Nob Hill. Here, the skyline is never static. It shifts with the light, the weather, and the rhythm of the streets below before transforming into a tapestry of lights after sunset. It isn't simply something to admire from a distance it becomes part of everyday life. Spanning approximately 2,090…