695 5th St #13
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
28% of that payment is not the mortgage. The HOA fee alone is $50,220 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,545.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($42,250). 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 2026-11-05 — 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 ($837 in 2026), not enough for a trend yet. The listing shows $837/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
- 17% below model fair value
- In-unit W/D
- Garage parking
- Low HOA (1.2%/yr)
⚠️ Cons
- HOA $837/mo
- Ground floor
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Nov 6, 2026 — Listed $845,000
- Jul 16, 1999 — Sold (MLS) $419,000
- Apr 21, 1999 — Listed $419,000
Description
A true loft experience, defined by creative possibilities, dramatic light, and open living. Two stories of south-facing glass fill the residence with natural sunlight throughout the day. A fireplace anchors the living space, while the bedroom loft sits above, framed by its own skylight and overlooking the living room below. Spanning 1,068 square feet, the residence features new flooring throughout, new appliances, and a full bathroom on each level. Additional conveniences include laundry hookups and assigned independent garage parking. Ideally positioned at cusp of SoMa and Mission Bay, the loft is moments from an excellent selection of restaurants, cafes, shops, and grocery stores. The…