706 Mission St Unit 6A
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 $317,400 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $32,532.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($249,750). 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 2026-11-05 — 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
2 recorded pointsReconstructed from 10 units of recorded sales at 706 Mission St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- Low HOA (1.3%/yr)
- Newer build (2021)
⚠️ Cons
- 84% above model fair value
- HOA $5290/mo
- Ground floor
🚩 Red flags
- Very high HOA $5290/mo (full-service high-rise)
Photos
Price history (this unit)
- Oct 15, 2026 — Listed $4,995,000
Description
Tower Residence 6A presents an unrivaled luxury opportunity, featuring three bedrooms and three full ensuite bathrooms. The residence is appointed with the finest materials: solid oak floors, marble countertops, Poggenpohl cabinetry, and a chef's kitchen featuring Sub-Zero, Wolf, and Cove appliances. Offering the pinnacle of San Francisco living, the property is enriched and expanded by legendary Four Seasons service. Owners enjoy exclusive access to The Club, a full-floor private establishment combining meticulously crafted, art-filled amenity spaces with bespoke service. Amenities include a bar lounge, private dining room, outdoor entertainment terrace, library, game room, golf simulator…